Call reports 2010
HNB FIRST BANK — 2010
What HNB FIRST 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 | 113,546,000 | 112,871,000 | 113,601,000 | 111,377,000 |
| Total loans | 73,139,000 | 70,061,000 | 71,681,000 | 66,604,000 |
| Allowance for loan losses | 1,488,000 | 1,124,000 | 1,260,000 | 1,365,000 |
| Securities available for sale | 25,461,000 | 25,816,000 | 25,275,000 | 26,163,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 90,339,000 | 88,989,000 | 89,521,000 | 91,061,000 |
| Interest-bearing deposits | 78,165,000 | 77,338,000 | 78,431,000 | 80,707,000 |
| Noninterest-bearing deposits | 12,174,000 | 11,651,000 | 11,090,000 | 10,354,000 |
| Equity capital | 12,305,000 | 13,042,000 | 13,091,000 | 12,500,000 |
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 | 1,485,000 | 2,919,000 | 4,358,000 | 5,715,000 |
| Interest expense | 496,000 | 975,000 | 1,426,000 | 1,840,000 |
| Net interest income | 989,000 | 1,944,000 | 2,932,000 | 3,875,000 |
| Noninterest income | 68,000 | 595,000 | 903,000 | 1,175,000 |
| Noninterest expense | 746,000 | 1,574,000 | 2,506,000 | 3,575,000 |
| Provision for loan losses | 391,000 | 647,000 | 910,000 | 1,157,000 |
| Pretax income | -27,000 | 371,000 | 472,000 | 371,000 |
| Income tax | 19,000 | 38,000 | 56,000 | 4,000 |
| Net income | -46,000 | 333,000 | 416,000 | 367,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,090,000 | 12,409,000 | 12,432,000 | 12,323,000 |
| Total capital | 13,111,000 | 13,427,000 | 13,457,000 | 13,294,000 |
| Risk-weighted assets | 81,240,000 | 81,340,000 | 81,732,000 | 77,248,000 |