Call reports 2006
HENRY COUNTY BANK — 2006
What HENRY COUNTY BANK reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 58,512,000 | 57,638,000 | 56,579,000 | 55,734,000 |
| Total loans | 31,775,000 | 33,462,000 | 32,617,000 | 32,701,000 |
| Allowance for loan losses | 413,000 | 424,000 | 424,000 | 424,000 |
| Securities available for sale | 5,152,000 | 5,115,000 | 4,199,000 | 3,707,000 |
| Securities held to maturity | 11,544,000 | 11,531,000 | 11,517,000 | 11,503,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 48,431,000 | 47,042,000 | 46,331,000 | 47,179,000 |
| Interest-bearing deposits | 41,092,000 | 40,492,000 | 41,052,000 | 41,054,000 |
| Noninterest-bearing deposits | 7,339,000 | 6,550,000 | 5,279,000 | 6,125,000 |
| Equity capital | 7,466,000 | 7,547,000 | 7,664,000 | 7,779,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 689,000 | 1,419,000 | 2,140,000 | 2,887,000 |
| Interest expense | 259,000 | 525,000 | 810,000 | 1,110,000 |
| Net interest income | 430,000 | 894,000 | 1,330,000 | 1,777,000 |
| Noninterest income | 70,000 | 134,000 | 214,000 | 280,000 |
| Noninterest expense | 391,000 | 782,000 | 1,157,000 | 1,512,000 |
| Provision for loan losses | 5,000 | 6,000 | 6,000 | 6,000 |
| Pretax income | 104,000 | 240,000 | 381,000 | 539,000 |
| Income tax | 33,000 | 77,000 | 124,000 | 178,000 |
| Net income | 71,000 | 163,000 | 257,000 | 361,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,910,000 | 4,002,000 | 4,096,000 | 4,200,000 |
| Total capital | 4,323,000 | 4,426,000 | 4,520,000 | 4,624,000 |
| Risk-weighted assets | 40,672,000 | 43,332,000 | 42,704,000 | 42,155,000 |