Call reports 2009
BANK OF HERRIN, THE — 2009
What BANK OF HERRIN, THE reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 212,621,000 | 225,216,000 | 230,239,000 | 234,217,000 |
| Total loans | 117,353,000 | 118,481,000 | 122,732,000 | 126,973,000 |
| Allowance for loan losses | 1,213,000 | 1,216,000 | 1,205,000 | 1,133,000 |
| Securities available for sale | 69,989,000 | 83,987,000 | 83,626,000 | 84,066,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 194,136,000 | 206,554,000 | 209,254,000 | 215,468,000 |
| Interest-bearing deposits | 171,844,000 | 180,931,000 | 184,015,000 | 191,487,000 |
| Noninterest-bearing deposits | 22,292,000 | 25,624,000 | 25,239,000 | 23,980,000 |
| Equity capital | 17,841,000 | 17,974,000 | 19,198,000 | 18,182,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 2,567,000 | 5,053,000 | 7,661,000 | 10,276,000 |
| Interest expense | 805,000 | 1,603,000 | 2,369,000 | 3,069,000 |
| Net interest income | 1,762,000 | 3,450,000 | 5,292,000 | 7,207,000 |
| Noninterest income | 344,000 | 661,000 | 938,000 | 1,227,000 |
| Noninterest expense | 1,436,000 | 2,976,000 | 4,410,000 | 6,922,000 |
| Provision for loan losses | 409,000 | 409,000 | 409,000 | 634,000 |
| Pretax income | 598,000 | 1,177,000 | 1,896,000 | 1,496,000 |
| Income tax | 0 | -3,000 | -3,000 | -3,000 |
| Net income | 598,000 | 1,180,000 | 1,899,000 | 1,499,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 17,729,000 | 18,311,000 | 19,032,000 | 18,629,000 |
| Total capital | 18,942,000 | 19,527,000 | 20,237,000 | 19,762,000 |
| Risk-weighted assets | 125,637,000 | 129,840,000 | 134,528,000 | 141,894,000 |