Call reports 2007
HEDRICK SAVINGS BANK — 2007
What HEDRICK SAVINGS BANK reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 64,433,000 | 66,783,000 | 65,052,000 | 66,742,000 |
| Total loans | 53,702,000 | 54,966,000 | 55,547,000 | 55,784,000 |
| Allowance for loan losses | 565,000 | 559,000 | 541,000 | 686,000 |
| Securities available for sale | 167,000 | 5,086,000 | 4,083,000 | 2,085,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 47,942,000 | 50,200,000 | 48,399,000 | 50,278,000 |
| Interest-bearing deposits | 41,112,000 | 43,772,000 | 41,362,000 | 43,656,000 |
| Noninterest-bearing deposits | 6,831,000 | 6,427,000 | 7,038,000 | 6,622,000 |
| Equity capital | 4,931,000 | 5,029,000 | 5,137,000 | 4,951,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 1,138,000 | 2,360,000 | 3,561,000 | 4,805,000 |
| Interest expense | 488,000 | 1,027,000 | 1,544,000 | 2,067,000 |
| Net interest income | 650,000 | 1,333,000 | 2,017,000 | 2,738,000 |
| Noninterest income | 84,000 | 162,000 | 233,000 | 255,000 |
| Noninterest expense | 555,000 | 1,069,000 | 1,569,000 | 2,303,000 |
| Provision for loan losses | 19,000 | 60,000 | 89,000 | 216,000 |
| Pretax income | 160,000 | 366,000 | 591,000 | 474,000 |
| Income tax | 12,000 | 27,000 | 37,000 | 48,000 |
| Net income | 148,000 | 339,000 | 554,000 | 426,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,933,000 | 5,032,000 | 5,139,000 | 4,952,000 |
| Total capital | 5,498,000 | 5,591,000 | 5,680,000 | 5,595,000 |
| Risk-weighted assets | 47,028,000 | 50,487,000 | 50,919,000 | 51,377,000 |
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