Call reports 2008
HEDRICK SAVINGS BANK — 2008
What HEDRICK SAVINGS BANK reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 66,550,000 | 66,756,000 | 60,289,000 | 66,165,000 |
| Total loans | 53,078,000 | 43,976,000 | 41,600,000 | 42,714,000 |
| Allowance for loan losses | 766,000 | 872,000 | 601,000 | 654,000 |
| Securities available for sale | 5,262,000 | 9,695,000 | 9,946,000 | 17,861,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 50,479,000 | 51,034,000 | 44,480,000 | 50,260,000 |
| Interest-bearing deposits | 43,649,000 | 44,225,000 | 37,330,000 | 43,560,000 |
| Noninterest-bearing deposits | 6,830,000 | 6,809,000 | 7,150,000 | 6,700,000 |
| Equity capital | 5,472,000 | 5,181,000 | 5,265,000 | 5,641,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 1,124,000 | 2,066,000 | 2,981,000 | 3,813,000 |
| Interest expense | 474,000 | 900,000 | 1,295,000 | 1,677,000 |
| Net interest income | 650,000 | 1,166,000 | 1,686,000 | 2,136,000 |
| Noninterest income | 60,000 | 104,000 | 169,000 | 222,000 |
| Noninterest expense | 537,000 | 1,019,000 | 1,566,000 | 2,067,000 |
| Provision for loan losses | 64,000 | 173,000 | 173,000 | 233,000 |
| Pretax income | 109,000 | 78,000 | 116,000 | 60,000 |
| Income tax | 11,000 | 20,000 | 30,000 | 17,000 |
| Net income | 98,000 | 58,000 | 86,000 | 43,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,459,000 | 5,261,000 | 5,291,000 | 5,342,000 |
| Total capital | 6,089,000 | 5,802,000 | 5,818,000 | 5,890,000 |
| Risk-weighted assets | 50,257,000 | 42,970,000 | 42,046,000 | 43,756,000 |