Call reports 2005
HENRY COUNTY BANK — 2005
What HENRY COUNTY BANK reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 62,315,000 | 59,540,000 | 57,880,000 | 58,244,000 |
| Total loans | 34,769,000 | 32,617,000 | 31,589,000 | 32,756,000 |
| Allowance for loan losses | 415,000 | 413,000 | 405,000 | 407,000 |
| Securities available for sale | 9,328,000 | 8,284,000 | 7,239,000 | 5,686,000 |
| Securities held to maturity | 10,103,000 | 11,087,000 | 11,073,000 | 11,558,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 46,057,000 | 44,133,000 | 46,496,000 | 47,424,000 |
| Interest-bearing deposits | 40,266,000 | 38,838,000 | 40,378,000 | 40,965,000 |
| Noninterest-bearing deposits | 5,791,000 | 5,295,000 | 6,118,000 | 6,459,000 |
| Equity capital | 7,642,000 | 7,400,000 | 7,458,000 | 7,576,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 684,000 | 1,381,000 | 2,101,000 | 2,802,000 |
| Interest expense | 221,000 | 457,000 | 705,000 | 952,000 |
| Net interest income | 463,000 | 924,000 | 1,396,000 | 1,850,000 |
| Noninterest income | 117,000 | 202,000 | 257,000 | 333,000 |
| Noninterest expense | 403,000 | 787,000 | 1,207,000 | 1,523,000 |
| Provision for loan losses | 8,000 | 15,000 | 23,000 | 30,000 |
| Pretax income | 169,000 | 317,000 | 416,000 | 623,000 |
| Income tax | 58,000 | 106,000 | 137,000 | 208,000 |
| Net income | 111,000 | 211,000 | 279,000 | 415,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,060,000 | 3,815,000 | 3,883,000 | 4,019,000 |
| Total capital | 4,475,000 | 4,228,000 | 4,288,000 | 4,426,000 |
| Risk-weighted assets | 46,292,000 | 42,300,000 | 40,385,000 | 41,621,000 |