Call reports 2008
BANK OF HERRIN, THE — 2008
What BANK OF HERRIN, THE reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 207,027,000 | 208,525,000 | 206,346,000 | 209,258,000 |
| Total loans | 117,012,000 | 115,817,000 | 119,195,000 | 118,440,000 |
| Allowance for loan losses | 732,000 | 757,000 | 1,232,000 | 805,000 |
| Securities available for sale | 69,886,000 | 72,175,000 | 65,353,000 | 65,841,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 187,721,000 | 189,997,000 | 187,471,000 | 189,770,000 |
| Interest-bearing deposits | 166,419,000 | 168,409,000 | 166,548,000 | 167,197,000 |
| Noninterest-bearing deposits | 21,302,000 | 21,587,000 | 20,924,000 | 22,573,000 |
| Equity capital | 17,889,000 | 17,706,000 | 18,047,000 | 18,738,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 2,954,000 | 5,736,000 | 8,401,000 | 10,985,000 |
| Interest expense | 1,210,000 | 2,284,000 | 3,277,000 | 4,221,000 |
| Net interest income | 1,744,000 | 3,452,000 | 5,124,000 | 6,764,000 |
| Noninterest income | 316,000 | 622,000 | 886,000 | 1,158,000 |
| Noninterest expense | 1,256,000 | 2,588,000 | 3,940,000 | 5,613,000 |
| Provision for loan losses | 24,000 | 48,000 | 566,000 | 566,000 |
| Pretax income | 801,000 | 1,459,000 | 1,539,000 | 1,864,000 |
| Income tax | 195,000 | 376,000 | 341,000 | 373,000 |
| Net income | 606,000 | 1,083,000 | 1,198,000 | 1,491,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 17,599,000 | 18,056,000 | 18,102,000 | 18,394,000 |
| Total capital | 18,331,000 | 18,813,000 | 19,334,000 | 19,199,000 |
| Risk-weighted assets | 147,594,000 | 125,627,000 | 126,475,000 | 125,200,000 |