Call reports 2004
HERRIN SECURITY BANK — 2004
What HERRIN SECURITY BANK reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 146,831,000 | 142,064,000 | 143,057,000 | 143,742,000 |
| Total loans | 52,126,000 | 55,510,000 | 59,681,000 | 63,846,000 |
| Allowance for loan losses | 175,000 | 175,000 | 175,000 | 175,000 |
| Securities available for sale | 88,267,000 | 79,620,000 | 76,992,000 | 73,512,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 115,541,000 | 114,114,000 | 111,219,000 | 112,886,000 |
| Interest-bearing deposits | 105,016,000 | 102,601,000 | 99,729,000 | 100,218,000 |
| Noninterest-bearing deposits | 10,525,000 | 11,513,000 | 11,490,000 | 12,668,000 |
| Equity capital | 13,263,000 | 11,382,000 | 13,249,000 | 12,566,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 1,848,000 | 3,770,000 | 5,738,000 | 7,705,000 |
| Interest expense | 592,000 | 1,156,000 | 1,719,000 | 2,314,000 |
| Net interest income | 1,256,000 | 2,614,000 | 4,019,000 | 5,391,000 |
| Noninterest income | 97,000 | 203,000 | 341,000 | 439,000 |
| Noninterest expense | 704,000 | 1,333,000 | 2,073,000 | 3,076,000 |
| Provision for loan losses | 9,000 | 11,000 | 9,000 | 29,000 |
| Pretax income | 635,000 | 1,470,000 | 2,271,000 | 2,601,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 635,000 | 1,470,000 | 2,271,000 | 2,601,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,100,000 | 12,702,000 | 12,889,000 | 12,459,000 |
| Total capital | 12,275,000 | 12,877,000 | 13,064,000 | 12,634,000 |
| Risk-weighted assets | 63,729,000 | 65,438,000 | 68,444,000 | 71,816,000 |