Call reports 2012
HERALD NATIONAL BANK — 2012
What HERALD NATIONAL BANK reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 512,150,000 | 510,373,000 | 479,367,000 | 490,489,000 |
| Total loans | 313,073,000 | 316,778,000 | 305,832,000 | 269,925,000 |
| Allowance for loan losses | 28,000 | 653,000 | 1,691,000 | 1,749,000 |
| Securities available for sale | 156,478,000 | 140,100,000 | 125,905,000 | 113,501,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 421,105,000 | 387,176,000 | 376,307,000 | 387,278,000 |
| Interest-bearing deposits | 278,516,000 | 286,777,000 | 282,303,000 | 270,343,000 |
| Noninterest-bearing deposits | 142,590,000 | 100,399,000 | 94,004,000 | 116,935,000 |
| Equity capital | 79,952,000 | 79,678,000 | 100,238,000 | 100,574,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 1,596,000 | 6,442,000 | 11,072,000 | 15,369,000 |
| Interest expense | 179,000 | 738,000 | 1,280,000 | 1,813,000 |
| Net interest income | 1,417,000 | 5,704,000 | 9,792,000 | 13,556,000 |
| Noninterest income | 123,000 | 399,000 | 642,000 | 896,000 |
| Noninterest expense | 1,890,000 | 7,005,000 | 10,510,000 | 14,085,000 |
| Provision for loan losses | 28,000 | 653,000 | 1,755,000 | 1,753,000 |
| Pretax income | -378,000 | -1,555,000 | -1,831,000 | -1,386,000 |
| Income tax | -141,000 | -579,000 | -682,000 | -516,000 |
| Net income | -237,000 | -976,000 | -1,149,000 | -870,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 70,668,000 | 70,492,000 | 90,645,000 | 91,249,000 |
| Total capital | 70,700,000 | 71,149,000 | 92,340,000 | 92,998,000 |
| Risk-weighted assets | 335,677,000 | 347,073,000 | 316,170,000 | 288,117,000 |