Call reports 2010
HERALD NATIONAL BANK — 2010
What HERALD NATIONAL BANK reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 452,536,000 | 464,104,000 | 439,266,000 | 504,690,000 |
| Total loans | 344,468,000 | 343,162,000 | 349,556,000 | 332,909,000 |
| Allowance for loan losses | 4,584,000 | 6,837,000 | 5,554,000 | 6,404,000 |
| Securities available for sale | 49,093,000 | 67,074,000 | 56,968,000 | 129,168,000 |
| Securities held to maturity | 34,533,000 | 23,448,000 | 10,215,000 | 16,658,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 392,226,000 | 407,950,000 | 375,672,000 | 430,570,000 |
| Interest-bearing deposits | 296,529,000 | 323,529,000 | 299,415,000 | 345,768,000 |
| Noninterest-bearing deposits | 95,698,000 | 84,421,000 | 76,258,000 | 84,801,000 |
| Equity capital | 55,568,000 | 52,288,000 | 52,300,000 | 50,679,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 5,467,000 | 11,178,000 | 16,758,000 | 22,408,000 |
| Interest expense | 1,288,000 | 2,454,000 | 3,472,000 | 4,421,000 |
| Net interest income | 4,179,000 | 8,724,000 | 13,286,000 | 17,987,000 |
| Noninterest income | 104,000 | 217,000 | 402,000 | 553,000 |
| Noninterest expense | 5,470,000 | 10,975,000 | 15,369,000 | 19,746,000 |
| Provision for loan losses | 687,000 | 3,740,000 | 4,034,000 | 4,357,000 |
| Pretax income | -1,874,000 | -5,774,000 | -5,427,000 | -5,275,000 |
| Income tax | 24,000 | 51,000 | 77,000 | 102,000 |
| Net income | -1,898,000 | -5,825,000 | -5,504,000 | -5,377,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 55,047,000 | 51,260,000 | 51,557,000 | 51,770,000 |
| Total capital | 59,584,000 | 55,786,000 | 55,881,000 | 56,079,000 |
| Risk-weighted assets | 362,107,000 | 359,652,000 | 344,654,000 | 342,787,000 |