Call reports 2004
HENRY COUNTY BANK — 2004
What HENRY COUNTY BANK reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 52,892,000 | 53,987,000 | 55,724,000 | 58,438,000 |
| Total loans | 25,865,000 | 26,237,000 | 28,755,000 | 31,722,000 |
| Allowance for loan losses | 373,000 | 388,000 | 402,000 | 407,000 |
| Securities available for sale | 12,440,000 | 12,040,000 | 10,584,000 | 10,469,000 |
| Securities held to maturity | 6,583,000 | 8,066,000 | 9,136,000 | 9,121,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 44,714,000 | 45,974,000 | 45,319,000 | 45,476,000 |
| Interest-bearing deposits | 39,078,000 | 40,194,000 | 39,898,000 | 39,933,000 |
| Noninterest-bearing deposits | 5,636,000 | 5,780,000 | 5,421,000 | 5,543,000 |
| Equity capital | 7,681,000 | 7,570,000 | 7,748,000 | 7,848,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 619,000 | 1,239,000 | 1,878,000 | 2,542,000 |
| Interest expense | 184,000 | 361,000 | 543,000 | 727,000 |
| Net interest income | 435,000 | 878,000 | 1,335,000 | 1,815,000 |
| Noninterest income | 87,000 | 184,000 | 289,000 | 391,000 |
| Noninterest expense | 387,000 | 770,000 | 1,126,000 | 1,460,000 |
| Provision for loan losses | 15,000 | 30,000 | 45,000 | 60,000 |
| Pretax income | 166,000 | 308,000 | 499,000 | 732,000 |
| Income tax | 59,000 | 109,000 | 178,000 | 262,000 |
| Net income | 107,000 | 199,000 | 321,000 | 470,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,835,000 | 3,928,000 | 4,050,000 | 4,199,000 |
| Total capital | 4,208,000 | 4,316,000 | 4,452,000 | 4,606,000 |
| Risk-weighted assets | 35,362,000 | 36,376,000 | 38,920,000 | 43,200,000 |