Call reports 2002
BANK OF HERRIN, THE — 2002
What BANK OF HERRIN, THE reported to the FFIEC in 2002, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Total assets | 139,444,000 | 138,845,000 | 142,152,000 | 137,136,000 |
| Total loans | 55,798,000 | 54,544,000 | 56,270,000 | 57,181,000 |
| Allowance for loan losses | 517,000 | 516,000 | 507,000 | 485,000 |
| Securities available for sale | 57,506,000 | 64,520,000 | 63,241,000 | 62,148,000 |
| Securities held to maturity | 9,527,000 | 8,521,000 | 9,489,000 | 9,213,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 121,678,000 | 120,080,000 | 122,319,000 | 117,356,000 |
| Interest-bearing deposits | 109,838,000 | 107,272,000 | 109,266,000 | 105,093,000 |
| Noninterest-bearing deposits | 11,840,000 | 12,808,000 | 13,053,000 | 12,263,000 |
| Equity capital | 16,792,000 | 17,826,000 | 18,555,000 | 18,886,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Interest income | 1,897,000 | 3,760,000 | 5,598,000 | 7,385,000 |
| Interest expense | 744,000 | 1,458,000 | 2,159,000 | 2,767,000 |
| Net interest income | 1,153,000 | 2,302,000 | 3,439,000 | 4,618,000 |
| Noninterest income | 166,000 | 335,000 | 512,000 | 654,000 |
| Noninterest expense | 782,000 | 1,412,000 | 2,025,000 | 2,819,000 |
| Provision for loan losses | 3,000 | 6,000 | 9,000 | 12,000 |
| Pretax income | 538,000 | 1,240,000 | 1,943,000 | 2,481,000 |
| Income tax | 153,000 | 360,000 | 567,000 | 718,000 |
| Net income | 385,000 | 880,000 | 1,376,000 | 1,763,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 16,708,000 | 17,203,000 | 17,700,000 | 18,087,000 |
| Total capital | 17,225,000 | 17,719,000 | 18,207,000 | 18,572,000 |
| Risk-weighted assets | 65,343,000 | 64,224,000 | 65,667,000 | 65,456,000 |