Call reports 2003
HEDRICK SAVINGS BANK — 2003
What HEDRICK SAVINGS BANK reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 52,285,000 | 54,551,000 | 54,162,000 | 56,717,000 |
| Total loans | 34,543,000 | 34,828,000 | 36,220,000 | 36,900,000 |
| Allowance for loan losses | 520,000 | 572,000 | 600,000 | 661,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 11,642,000 | 11,286,000 | 13,521,000 | 14,019,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 44,202,000 | 46,414,000 | 41,797,000 | 48,445,000 |
| Interest-bearing deposits | 39,822,000 | 41,727,000 | 37,744,000 | 43,800,000 |
| Noninterest-bearing deposits | 4,380,000 | 4,687,000 | 4,053,000 | 4,645,000 |
| Equity capital | 3,668,000 | 3,785,000 | 3,892,000 | 3,945,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 766,000 | 1,536,000 | 2,302,000 | 3,060,000 |
| Interest expense | 267,000 | 539,000 | 784,000 | 1,025,000 |
| Net interest income | 499,000 | 997,000 | 1,518,000 | 2,035,000 |
| Noninterest income | 45,000 | 101,000 | 155,000 | 212,000 |
| Noninterest expense | 342,000 | 655,000 | 985,000 | 1,429,000 |
| Provision for loan losses | 54,000 | 108,000 | 162,000 | 216,000 |
| Pretax income | 148,000 | 335,000 | 526,000 | 602,000 |
| Income tax | 44,000 | 102,000 | 163,000 | 160,000 |
| Net income | 104,000 | 233,000 | 363,000 | 442,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,668,000 | 3,785,000 | 3,892,000 | 3,945,000 |
| Total capital | 4,076,000 | 4,196,000 | 4,317,000 | 4,380,000 |
| Risk-weighted assets | 32,494,000 | 32,747,000 | 33,837,000 | 34,585,000 |
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