Call reports 2007
HNB FIRST BANK — 2007
What HNB FIRST 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 | 95,852,000 | 97,407,000 | 101,433,000 | 105,763,000 |
| Total loans | 60,195,000 | 63,581,000 | 67,173,000 | 70,587,000 |
| Allowance for loan losses | 720,000 | 761,000 | 811,000 | 829,000 |
| Securities available for sale | 22,214,000 | 21,283,000 | 20,767,000 | 20,380,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 70,727,000 | 74,724,000 | 78,173,000 | 82,696,000 |
| Interest-bearing deposits | 61,017,000 | 65,559,000 | 68,439,000 | 71,814,000 |
| Noninterest-bearing deposits | 9,710,000 | 9,165,000 | 9,734,000 | 10,882,000 |
| Equity capital | 12,114,000 | 11,955,000 | 12,325,000 | 12,074,000 |
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 | 1,639,000 | 3,333,000 | 5,102,000 | 6,938,000 |
| Interest expense | 763,000 | 1,603,000 | 2,496,000 | 3,422,000 |
| Net interest income | 876,000 | 1,730,000 | 2,606,000 | 3,516,000 |
| Noninterest income | 272,000 | 528,000 | 796,000 | 1,067,000 |
| Noninterest expense | 739,000 | 1,499,000 | 2,257,000 | 3,285,000 |
| Provision for loan losses | 24,000 | 97,000 | 175,000 | 382,000 |
| Pretax income | 385,000 | 662,000 | 970,000 | 919,000 |
| Income tax | 19,000 | 39,000 | 57,000 | 27,000 |
| Net income | 366,000 | 623,000 | 913,000 | 892,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,430,000 | 12,477,000 | 12,557,000 | 12,176,000 |
| Total capital | 13,150,000 | 13,238,000 | 13,368,000 | 13,005,000 |
| Risk-weighted assets | 70,104,000 | 73,291,000 | 76,583,000 | 79,858,000 |
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