Call reports 2009
HEDRICK SAVINGS BANK — 2009
What HEDRICK SAVINGS BANK reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 71,012,000 | 65,478,000 | 63,227,000 | 64,446,000 |
| Total loans | 41,893,000 | 39,847,000 | 38,764,000 | 37,896,000 |
| Allowance for loan losses | 627,000 | 888,000 | 874,000 | 924,000 |
| Securities available for sale | 20,248,000 | 20,514,000 | 18,620,000 | 21,213,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 57,232,000 | 50,950,000 | 49,328,000 | 51,731,000 |
| Interest-bearing deposits | 49,931,000 | 43,781,000 | 42,716,000 | 44,890,000 |
| Noninterest-bearing deposits | 7,301,000 | 7,170,000 | 6,612,000 | 6,841,000 |
| Equity capital | 5,773,000 | 5,686,000 | 6,111,000 | 5,536,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 880,000 | 1,765,000 | 2,643,000 | 3,443,000 |
| Interest expense | 323,000 | 632,000 | 888,000 | 1,130,000 |
| Net interest income | 557,000 | 1,133,000 | 1,755,000 | 2,313,000 |
| Noninterest income | 121,000 | 284,000 | 456,000 | 613,000 |
| Noninterest expense | 526,000 | 1,133,000 | 1,675,000 | 2,260,000 |
| Provision for loan losses | 36,000 | 337,000 | 423,000 | 965,000 |
| Pretax income | 224,000 | 119,000 | 351,000 | 47,000 |
| Income tax | 16,000 | 15,000 | 31,000 | 19,000 |
| Net income | 208,000 | 104,000 | 320,000 | 28,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,547,000 | 5,430,000 | 5,630,000 | 5,323,000 |
| Total capital | 6,120,000 | 5,945,000 | 6,115,000 | 5,838,000 |
| Risk-weighted assets | 45,483,000 | 42,567,000 | 39,904,000 | 40,811,000 |