Call reports 2006
BANK OF HERRIN, THE — 2006
What BANK OF HERRIN, THE reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 140,234,000 | 142,445,000 | 143,736,000 | 144,998,000 |
| Total loans | 78,517,000 | 81,834,000 | 86,976,000 | 87,340,000 |
| Allowance for loan losses | 422,000 | 426,000 | 423,000 | 380,000 |
| Securities available for sale | 50,058,000 | 48,972,000 | 47,270,000 | 47,276,000 |
| Securities held to maturity | 75,000 | 75,000 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 126,165,000 | 128,138,000 | 128,215,000 | 129,598,000 |
| Interest-bearing deposits | 111,383,000 | 111,169,000 | 112,470,000 | 113,811,000 |
| Noninterest-bearing deposits | 14,782,000 | 16,969,000 | 15,745,000 | 15,787,000 |
| Equity capital | 13,367,000 | 13,696,000 | 14,475,000 | 14,691,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 1,756,000 | 3,637,000 | 5,658,000 | 7,727,000 |
| Interest expense | 632,000 | 1,326,000 | 2,088,000 | 2,897,000 |
| Net interest income | 1,124,000 | 2,311,000 | 3,570,000 | 4,830,000 |
| Noninterest income | 212,000 | 395,000 | 574,000 | 786,000 |
| Noninterest expense | 888,000 | 1,610,000 | 2,362,000 | 3,569,000 |
| Provision for loan losses | 27,000 | 34,000 | 34,000 | 34,000 |
| Pretax income | 409,000 | 1,050,000 | 1,735,000 | 2,000,000 |
| Income tax | 103,000 | 286,000 | 479,000 | 588,000 |
| Net income | 306,000 | 764,000 | 1,256,000 | 1,412,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 13,800,000 | 14,259,000 | 14,751,000 | 14,907,000 |
| Total capital | 14,222,000 | 14,685,000 | 15,174,000 | 15,287,000 |
| Risk-weighted assets | 84,487,000 | 87,552,000 | 90,042,000 | 91,897,000 |