Call reports 2011
HERALD NATIONAL BANK — 2011
What HERALD NATIONAL BANK reported to the FFIEC in 2011, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Total assets | 501,114,000 | 486,551,000 | 486,718,000 | 524,190,000 |
| Total loans | 321,990,000 | 319,277,000 | 318,630,000 | 304,506,000 |
| Allowance for loan losses | 6,265,000 | 6,112,000 | 5,924,000 | 5,943,000 |
| Securities available for sale | 105,743,000 | 105,192,000 | 134,249,000 | 155,087,000 |
| Securities held to maturity | 16,347,000 | 16,203,000 | 12,990,000 | 12,547,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 437,144,000 | 430,973,000 | 414,087,000 | 465,734,000 |
| Interest-bearing deposits | 305,919,000 | 298,322,000 | 274,847,000 | 288,651,000 |
| Noninterest-bearing deposits | 131,226,000 | 132,652,000 | 139,239,000 | 177,083,000 |
| Equity capital | 51,066,000 | 52,313,000 | 53,776,000 | 54,181,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Interest income | 5,511,000 | 11,019,000 | 16,420,000 | 21,660,000 |
| Interest expense | 988,000 | 1,932,000 | 2,724,000 | 3,441,000 |
| Net interest income | 4,523,000 | 9,087,000 | 13,696,000 | 18,219,000 |
| Noninterest income | 225,000 | 598,000 | 1,026,000 | 1,590,000 |
| Noninterest expense | 4,526,000 | 9,359,000 | 14,305,000 | 19,077,000 |
| Provision for loan losses | 100,000 | 100,000 | 100,000 | 100,000 |
| Pretax income | 238,000 | 342,000 | 555,000 | 870,000 |
| Income tax | 33,000 | 60,000 | 89,000 | 123,000 |
| Net income | 205,000 | 282,000 | 466,000 | 747,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Tier 1 capital | 52,113,000 | 52,390,000 | 52,790,000 | 53,183,000 |
| Total capital | 56,335,000 | 56,516,000 | 56,972,000 | 57,370,000 |
| Risk-weighted assets | 335,629,000 | 330,328,000 | 332,694,000 | 333,038,000 |