Call reports 2019
BANK OF HYDRO — 2019
What BANK OF HYDRO reported to the FFIEC in 2019, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Total assets | 127,445,000 | 123,037,000 | 121,032,000 | 127,533,000 |
| Total loans | 113,303,000 | 116,115,000 | 115,578,000 | 110,064,000 |
| Allowance for loan losses | 1,127,000 | 1,129,000 | 1,140,000 | 1,151,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 110,304,000 | 105,691,000 | 101,727,000 | 109,830,000 |
| Interest-bearing deposits | 79,433,000 | 76,397,000 | 73,188,000 | 77,227,000 |
| Noninterest-bearing deposits | 30,871,000 | 29,294,000 | 28,539,000 | 32,603,000 |
| Equity capital | 14,020,000 | 14,229,000 | 14,438,000 | 14,634,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Interest income | 1,742,000 | 3,519,000 | 5,332,000 | 7,106,000 |
| Interest expense | 264,000 | 540,000 | 831,000 | 1,126,000 |
| Net interest income | 1,478,000 | 2,979,000 | 4,501,000 | 5,980,000 |
| Noninterest income | 114,000 | 225,000 | 340,000 | 514,000 |
| Noninterest expense | 735,000 | 1,502,000 | 2,294,000 | 3,149,000 |
| Provision for loan losses | 7,000 | 16,000 | 26,000 | 37,000 |
| Pretax income | 850,000 | 1,686,000 | 2,521,000 | 3,308,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 850,000 | 1,686,000 | 2,521,000 | 3,308,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Tier 1 capital | 14,020,000 | 14,229,000 | 14,438,000 | 14,634,000 |
| Total capital | 15,148,000 | 15,359,000 | 15,578,000 | 15,785,000 |
| Risk-weighted assets | 100,324,000 | 105,903,000 | 97,471,000 | 102,372,000 |