Call reports 2008
HERRIN SECURITY BANK — 2008
What HERRIN SECURITY BANK reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 124,449,000 | 121,433,000 | 116,315,000 | 113,524,000 |
| Total loans | 67,611,000 | 62,901,000 | 59,555,000 | 58,296,000 |
| Allowance for loan losses | 2,303,000 | 1,983,000 | 1,475,000 | 1,135,000 |
| Securities available for sale | 41,260,000 | 38,492,000 | 38,708,000 | 38,971,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 109,964,000 | 107,379,000 | 102,106,000 | 98,797,000 |
| Interest-bearing deposits | 98,299,000 | 95,515,000 | 91,166,000 | 88,301,000 |
| Noninterest-bearing deposits | 11,665,000 | 11,864,000 | 10,940,000 | 10,496,000 |
| Equity capital | 9,261,000 | 9,136,000 | 9,376,000 | 9,965,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 1,741,000 | 3,329,000 | 4,854,000 | 6,290,000 |
| Interest expense | 954,000 | 1,769,000 | 2,461,000 | 3,128,000 |
| Net interest income | 787,000 | 1,560,000 | 2,393,000 | 3,162,000 |
| Noninterest income | 87,000 | 182,000 | 271,000 | 258,000 |
| Noninterest expense | 908,000 | 1,731,000 | 2,870,000 | 3,892,000 |
| Provision for loan losses | 55,000 | 255,000 | 255,000 | 370,000 |
| Pretax income | -70,000 | -225,000 | -424,000 | -805,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | -70,000 | -225,000 | -424,000 | -805,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,996,000 | 9,892,000 | 9,738,000 | 9,362,000 |
| Total capital | 10,006,000 | 10,758,000 | 10,530,000 | 10,170,000 |
| Risk-weighted assets | 78,716,000 | 67,397,000 | 64,084,000 | 64,232,000 |