Call reports 2005
BANK OF HERRIN, THE — 2005
What BANK OF HERRIN, THE 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 | 130,425,000 | 130,918,000 | 132,879,000 | 135,331,000 |
| Total loans | 64,899,000 | 66,124,000 | 68,831,000 | 73,001,000 |
| Allowance for loan losses | 393,000 | 394,000 | 385,000 | 395,000 |
| Securities available for sale | 50,080,000 | 50,209,000 | 58,029,000 | 55,326,000 |
| Securities held to maturity | 7,399,000 | 7,398,000 | 75,000 | 75,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 116,554,000 | 116,579,000 | 118,035,000 | 118,336,000 |
| Interest-bearing deposits | 103,298,000 | 102,392,000 | 104,202,000 | 104,344,000 |
| Noninterest-bearing deposits | 13,256,000 | 14,187,000 | 13,833,000 | 13,992,000 |
| Equity capital | 13,252,000 | 13,885,000 | 14,230,000 | 14,392,000 |
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 | 1,472,000 | 2,986,000 | 4,596,000 | 6,272,000 |
| Interest expense | 417,000 | 885,000 | 1,384,000 | 1,936,000 |
| Net interest income | 1,055,000 | 2,101,000 | 3,212,000 | 4,336,000 |
| Noninterest income | 198,000 | 378,000 | 553,000 | 752,000 |
| Noninterest expense | 834,000 | 1,472,000 | 2,138,000 | 3,041,000 |
| Provision for loan losses | 15,000 | 15,000 | 20,000 | 35,000 |
| Pretax income | 404,000 | 993,000 | 1,608,000 | 2,013,000 |
| Income tax | 106,000 | 271,000 | 446,000 | 550,000 |
| Net income | 298,000 | 722,000 | 1,162,000 | 1,463,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 13,667,000 | 14,091,000 | 14,523,000 | 14,824,000 |
| Total capital | 14,060,000 | 14,485,000 | 14,908,000 | 15,219,000 |
| Risk-weighted assets | 72,275,000 | 73,498,000 | 75,154,000 | 78,769,000 |