Call reports 2006
HEDRICK SAVINGS BANK — 2006
What HEDRICK SAVINGS BANK reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 61,182,000 | 61,851,000 | 60,887,000 | 63,919,000 |
| Total loans | 47,366,000 | 53,688,000 | 53,295,000 | 52,857,000 |
| Allowance for loan losses | 457,000 | 469,000 | 446,000 | 548,000 |
| Securities available for sale | 4,375,000 | 3,074,000 | 2,601,000 | 166,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 44,724,000 | 45,402,000 | 44,564,000 | 47,482,000 |
| Interest-bearing deposits | 38,713,000 | 39,195,000 | 38,420,000 | 41,111,000 |
| Noninterest-bearing deposits | 6,011,000 | 6,207,000 | 6,144,000 | 6,371,000 |
| Equity capital | 4,595,000 | 4,561,000 | 4,692,000 | 4,782,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 995,000 | 2,047,000 | 3,129,000 | 4,281,000 |
| Interest expense | 395,000 | 845,000 | 1,316,000 | 1,785,000 |
| Net interest income | 600,000 | 1,202,000 | 1,813,000 | 2,496,000 |
| Noninterest income | 72,000 | 156,000 | 246,000 | 321,000 |
| Noninterest expense | 501,000 | 1,138,000 | 1,623,000 | 2,169,000 |
| Provision for loan losses | 30,000 | 60,000 | 90,000 | 120,000 |
| Pretax income | 141,000 | 160,000 | 346,000 | 490,000 |
| Income tax | -123,000 | -112,000 | -101,000 | -44,000 |
| Net income | 264,000 | 272,000 | 447,000 | 534,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,664,000 | 4,634,000 | 4,736,000 | 4,786,000 |
| Total capital | 5,121,000 | 5,103,000 | 5,182,000 | 5,334,000 |
| Risk-weighted assets | 43,860,000 | 49,025,000 | 48,572,000 | 49,129,000 |