Call reports 2002
HEDRICK SAVINGS BANK — 2002
What HEDRICK SAVINGS BANK reported to the FFIEC in 2002, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Total assets | 46,779,000 | 47,040,000 | 45,811,000 | 49,607,000 |
| Total loans | 31,423,000 | 33,337,000 | 34,128,000 | 34,644,000 |
| Allowance for loan losses | 365,000 | 394,000 | 456,000 | 465,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 7,508,000 | 7,541,000 | 6,898,000 | 8,415,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 40,966,000 | 40,186,000 | 37,262,000 | 41,551,000 |
| Interest-bearing deposits | 36,175,000 | 36,299,000 | 33,056,000 | 36,929,000 |
| Noninterest-bearing deposits | 4,791,000 | 3,887,000 | 4,206,000 | 4,622,000 |
| Equity capital | 3,229,000 | 3,337,000 | 3,469,000 | 3,586,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Interest income | 748,000 | 1,507,000 | 2,282,000 | 3,057,000 |
| Interest expense | 295,000 | 579,000 | 845,000 | 1,118,000 |
| Net interest income | 453,000 | 928,000 | 1,437,000 | 1,939,000 |
| Noninterest income | 49,000 | 105,000 | 154,000 | 210,000 |
| Noninterest expense | 267,000 | 600,000 | 890,000 | 1,308,000 |
| Provision for loan losses | 30,000 | 60,000 | 120,000 | 170,000 |
| Pretax income | 205,000 | 373,000 | 581,000 | 671,000 |
| Income tax | 75,000 | 135,000 | 211,000 | 184,000 |
| Net income | 130,000 | 238,000 | 370,000 | 487,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,229,000 | 3,337,000 | 3,469,000 | 3,586,000 |
| Total capital | 3,552,000 | 3,716,000 | 3,854,000 | 3,979,000 |
| Risk-weighted assets | 29,021,000 | 30,560,000 | 30,737,000 | 31,367,000 |