Call reports 2005
HEDRICK SAVINGS BANK — 2005
What HEDRICK SAVINGS BANK reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 59,514,000 | 63,098,000 | 57,714,000 | 59,113,000 |
| Total loans | 45,509,000 | 46,246,000 | 46,741,000 | 46,799,000 |
| Allowance for loan losses | 588,000 | 582,000 | 626,000 | 410,000 |
| Securities available for sale | 9,007,000 | 6,721,000 | 6,405,000 | 5,506,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 50,190,000 | 51,689,000 | 46,049,000 | 44,723,000 |
| Interest-bearing deposits | 44,230,000 | 45,771,000 | 40,063,000 | 38,559,000 |
| Noninterest-bearing deposits | 5,960,000 | 5,918,000 | 5,986,000 | 6,164,000 |
| Equity capital | 4,342,000 | 4,381,000 | 4,481,000 | 4,404,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 865,000 | 1,794,000 | 2,734,000 | 3,664,000 |
| Interest expense | 267,000 | 581,000 | 923,000 | 1,262,000 |
| Net interest income | 598,000 | 1,213,000 | 1,811,000 | 2,402,000 |
| Noninterest income | 67,000 | 134,000 | 213,000 | 287,000 |
| Noninterest expense | 427,000 | 921,000 | 1,359,000 | 1,796,000 |
| Provision for loan losses | 30,000 | 60,000 | 90,000 | 120,000 |
| Pretax income | 203,000 | 360,000 | 531,000 | 719,000 |
| Income tax | 62,000 | 124,000 | 187,000 | 250,000 |
| Net income | 141,000 | 236,000 | 344,000 | 469,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,445,000 | 4,476,000 | 4,555,000 | 4,474,000 |
| Total capital | 5,026,000 | 5,011,000 | 5,084,000 | 4,884,000 |
| Risk-weighted assets | 46,445,000 | 42,779,000 | 42,210,000 | 42,736,000 |