Call reports 2003
BANK OF HERRIN, THE — 2003
What BANK OF HERRIN, THE 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 | 136,090,000 | 137,025,000 | 140,663,000 | 140,506,000 |
| Total loans | 56,452,000 | 57,645,000 | 62,825,000 | 62,725,000 |
| Allowance for loan losses | 495,000 | 455,000 | 458,000 | 401,000 |
| Securities available for sale | 57,521,000 | 58,162,000 | 58,791,000 | 59,695,000 |
| Securities held to maturity | 9,206,000 | 9,189,000 | 9,182,000 | 8,549,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 117,195,000 | 117,757,000 | 121,298,000 | 121,299,000 |
| Interest-bearing deposits | 104,496,000 | 104,818,000 | 107,680,000 | 107,467,000 |
| Noninterest-bearing deposits | 12,699,000 | 12,939,000 | 13,618,000 | 13,832,000 |
| Equity capital | 17,785,000 | 18,380,000 | 18,487,000 | 18,673,000 |
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 | 1,686,000 | 3,295,000 | 4,820,000 | 6,344,000 |
| Interest expense | 493,000 | 947,000 | 1,397,000 | 1,834,000 |
| Net interest income | 1,193,000 | 2,348,000 | 3,423,000 | 4,510,000 |
| Noninterest income | 169,000 | 365,000 | 514,000 | 683,000 |
| Noninterest expense | 812,000 | 1,430,000 | 2,051,000 | 2,841,000 |
| Provision for loan losses | 3,000 | 6,000 | 9,000 | 13,000 |
| Pretax income | 549,000 | 1,280,000 | 1,887,000 | 2,350,000 |
| Income tax | 155,000 | 372,000 | 542,000 | 661,000 |
| Net income | 394,000 | 908,000 | 1,345,000 | 1,689,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 17,152,000 | 17,663,000 | 18,102,000 | 18,436,000 |
| Total capital | 17,647,000 | 18,118,000 | 18,560,000 | 18,837,000 |
| Risk-weighted assets | 65,489,000 | 66,409,000 | 71,348,000 | 70,458,000 |