Call reports 2010
HEDRICK SAVINGS BANK — 2010
What HEDRICK SAVINGS BANK reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 65,062,000 | 62,678,000 | 61,842,000 | 61,862,000 |
| Total loans | 37,787,000 | 38,505,000 | 40,725,000 | 38,694,000 |
| Allowance for loan losses | 983,000 | 982,000 | 1,046,000 | 956,000 |
| Securities available for sale | 20,388,000 | 18,242,000 | 17,510,000 | 17,981,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 52,122,000 | 49,554,000 | 47,524,000 | 47,998,000 |
| Interest-bearing deposits | 45,014,000 | 41,552,000 | 41,110,000 | 40,504,000 |
| Noninterest-bearing deposits | 7,108,000 | 8,002,000 | 6,415,000 | 7,494,000 |
| Equity capital | 5,757,000 | 5,933,000 | 6,196,000 | 5,758,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 796,000 | 1,538,000 | 2,319,000 | 3,109,000 |
| Interest expense | 221,000 | 429,000 | 622,000 | 813,000 |
| Net interest income | 575,000 | 1,109,000 | 1,697,000 | 2,296,000 |
| Noninterest income | 174,000 | 357,000 | 637,000 | 885,000 |
| Noninterest expense | 564,000 | 1,120,000 | 1,791,000 | 2,452,000 |
| Provision for loan losses | 60,000 | 120,000 | 180,000 | 240,000 |
| Pretax income | 125,000 | 243,000 | 470,000 | 597,000 |
| Income tax | 8,000 | 14,000 | 28,000 | 35,000 |
| Net income | 117,000 | 229,000 | 442,000 | 562,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,440,000 | 5,553,000 | 5,765,000 | 5,686,000 |
| Total capital | 5,957,000 | 6,086,000 | 6,325,000 | 6,232,000 |
| Risk-weighted assets | 40,826,000 | 41,653,000 | 44,008,000 | 43,000,000 |
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