Call reports 2003
HERRIN SECURITY BANK — 2003
What HERRIN SECURITY BANK reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 138,240,000 | 132,809,000 | 130,358,000 | 132,344,000 |
| Total loans | 45,370,000 | 47,015,000 | 47,603,000 | 48,553,000 |
| Allowance for loan losses | 175,000 | 175,000 | 175,000 | 175,000 |
| Securities available for sale | 82,626,000 | 75,448,000 | 72,310,000 | 77,254,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 117,953,000 | 112,642,000 | 110,227,000 | 111,997,000 |
| Interest-bearing deposits | 107,773,000 | 101,595,000 | 99,553,000 | 100,956,000 |
| Noninterest-bearing deposits | 10,180,000 | 11,047,000 | 10,674,000 | 11,041,000 |
| Equity capital | 11,724,000 | 12,012,000 | 11,678,000 | 12,124,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 1,589,000 | 3,149,000 | 4,611,000 | 6,325,000 |
| Interest expense | 866,000 | 1,643,000 | 2,332,000 | 2,980,000 |
| Net interest income | 723,000 | 1,506,000 | 2,279,000 | 3,345,000 |
| Noninterest income | 104,000 | 182,000 | 292,000 | 388,000 |
| Noninterest expense | 530,000 | 1,132,000 | 1,773,000 | 2,638,000 |
| Provision for loan losses | 0 | 0 | 5,000 | 4,000 |
| Pretax income | 297,000 | 556,000 | 793,000 | 1,115,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 297,000 | 556,000 | 793,000 | 1,115,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,960,000 | 11,061,000 | 11,221,000 | 11,543,000 |
| Total capital | 11,135,000 | 11,236,000 | 11,396,000 | 11,718,000 |
| Risk-weighted assets | 58,330,000 | 58,593,000 | 57,777,000 | 58,507,000 |