Call reports 2005
HERRIN SECURITY BANK — 2005
What HERRIN SECURITY BANK reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 140,579,000 | 136,918,000 | 142,779,000 | 138,125,000 |
| Total loans | 69,915,000 | 73,384,000 | 79,497,000 | 80,338,000 |
| Allowance for loan losses | 175,000 | 175,000 | 175,000 | 175,000 |
| Securities available for sale | 63,986,000 | 57,166,000 | 54,389,000 | 50,741,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 107,920,000 | 104,557,000 | 107,220,000 | 107,223,000 |
| Interest-bearing deposits | 95,685,000 | 91,774,000 | 95,263,000 | 94,490,000 |
| Noninterest-bearing deposits | 12,235,000 | 12,783,000 | 11,957,000 | 12,733,000 |
| Equity capital | 12,032,000 | 12,715,000 | 12,590,000 | 12,158,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 1,961,000 | 3,906,000 | 5,926,000 | 7,914,000 |
| Interest expense | 594,000 | 1,223,000 | 1,952,000 | 2,736,000 |
| Net interest income | 1,367,000 | 2,683,000 | 3,974,000 | 5,178,000 |
| Noninterest income | 120,000 | 245,000 | 373,000 | 463,000 |
| Noninterest expense | 740,000 | 1,528,000 | 2,287,000 | 3,327,000 |
| Provision for loan losses | 33,000 | 33,000 | 41,000 | 113,000 |
| Pretax income | 716,000 | 1,345,000 | 1,997,000 | 2,179,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 716,000 | 1,345,000 | 1,997,000 | 2,179,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 13,099,000 | 12,963,000 | 13,236,000 | 13,418,000 |
| Total capital | 13,274,000 | 13,138,000 | 13,411,000 | 13,593,000 |
| Risk-weighted assets | 76,000,000 | 77,067,000 | 86,991,000 | 82,601,000 |