Call reports 2007
BANK OF HERRIN, THE — 2007
What BANK OF HERRIN, THE reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 202,497,000 | 205,403,000 | 202,208,000 | 201,034,000 |
| Total loans | 111,623,000 | 113,482,000 | 115,568,000 | 116,712,000 |
| Allowance for loan losses | 515,000 | 660,000 | 665,000 | 746,000 |
| Securities available for sale | 69,986,000 | 73,479,000 | 72,249,000 | 69,288,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 184,471,000 | 187,080,000 | 182,721,000 | 181,525,000 |
| Interest-bearing deposits | 160,777,000 | 163,696,000 | 159,501,000 | 161,610,000 |
| Noninterest-bearing deposits | 23,694,000 | 23,384,000 | 23,220,000 | 19,915,000 |
| Equity capital | 17,104,000 | 17,441,000 | 18,325,000 | 18,672,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 2,774,000 | 5,694,000 | 8,700,000 | 11,734,000 |
| Interest expense | 1,126,000 | 2,326,000 | 3,600,000 | 4,841,000 |
| Net interest income | 1,648,000 | 3,368,000 | 5,100,000 | 6,893,000 |
| Noninterest income | 272,000 | 532,000 | 794,000 | 1,106,000 |
| Noninterest expense | 1,362,000 | 2,584,000 | 3,790,000 | 5,456,000 |
| Provision for loan losses | 16,000 | 160,000 | 172,000 | 250,000 |
| Pretax income | 542,000 | 1,156,000 | 1,936,000 | 2,297,000 |
| Income tax | 135,000 | 292,000 | 504,000 | 577,000 |
| Net income | 407,000 | 864,000 | 1,432,000 | 1,720,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 17,400,000 | 17,821,000 | 18,327,000 | 18,614,000 |
| Total capital | 17,916,000 | 18,481,000 | 18,992,000 | 19,360,000 |
| Risk-weighted assets | 139,528,000 | 120,556,000 | 143,433,000 | 123,755,000 |