Call reports 2004
BANK OF HERRIN, THE — 2004
What BANK OF HERRIN, THE 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 | 132,250,000 | 132,089,000 | 134,718,000 | 130,633,000 |
| Total loans | 64,197,000 | 66,839,000 | 64,332,000 | 65,223,000 |
| Allowance for loan losses | 395,000 | 388,000 | 388,000 | 385,000 |
| Securities available for sale | 48,476,000 | 46,078,000 | 49,717,000 | 51,325,000 |
| Securities held to maturity | 8,266,000 | 8,415,000 | 8,361,000 | 7,431,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 117,622,000 | 118,079,000 | 119,799,000 | 115,733,000 |
| Interest-bearing deposits | 104,745,000 | 104,289,000 | 106,102,000 | 102,318,000 |
| Noninterest-bearing deposits | 12,877,000 | 13,790,000 | 13,697,000 | 13,415,000 |
| Equity capital | 13,720,000 | 13,657,000 | 14,388,000 | 14,563,000 |
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 | 1,503,000 | 2,937,000 | 4,362,000 | 5,835,000 |
| Interest expense | 409,000 | 731,000 | 1,066,000 | 1,451,000 |
| Net interest income | 1,094,000 | 2,206,000 | 3,296,000 | 4,384,000 |
| Noninterest income | 203,000 | 384,000 | 545,000 | 711,000 |
| Noninterest expense | 808,000 | 1,457,000 | 2,097,000 | 2,894,000 |
| Provision for loan losses | 2,000 | 2,000 | 12,000 | 27,000 |
| Pretax income | 584,000 | 1,231,000 | 1,827,000 | 2,269,000 |
| Income tax | 159,000 | 328,000 | 470,000 | 580,000 |
| Net income | 425,000 | 903,000 | 1,357,000 | 1,689,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 13,398,000 | 13,876,000 | 14,330,000 | 14,661,000 |
| Total capital | 13,793,000 | 14,264,000 | 14,718,000 | 15,046,000 |
| Risk-weighted assets | 72,032,000 | 73,581,000 | 73,060,000 | 73,108,000 |