Call reports 2015
HAVANA NATIONAL BANK, THE — 2015
What HAVANA NATIONAL BANK, THE reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 215,262,000 | 215,312,000 | 226,389,000 | 224,516,000 |
| Total loans | 142,351,000 | 146,304,000 | 154,404,000 | 153,616,000 |
| Allowance for loan losses | 1,491,000 | 1,534,000 | 1,583,000 | 1,750,000 |
| Securities available for sale | 58,198,000 | 54,949,000 | 56,823,000 | 51,348,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 187,049,000 | 184,069,000 | 191,595,000 | 187,260,000 |
| Interest-bearing deposits | 166,206,000 | 167,783,000 | 170,196,000 | 162,437,000 |
| Noninterest-bearing deposits | 20,843,000 | 16,286,000 | 21,399,000 | 24,823,000 |
| Equity capital | 21,143,000 | 20,924,000 | 21,800,000 | 22,103,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 1,945,000 | 3,938,000 | 6,015,000 | 8,174,000 |
| Interest expense | 303,000 | 611,000 | 926,000 | 1,235,000 |
| Net interest income | 1,642,000 | 3,327,000 | 5,089,000 | 6,939,000 |
| Noninterest income | 281,000 | 612,000 | 989,000 | 1,414,000 |
| Noninterest expense | 1,181,000 | 2,332,000 | 3,510,000 | 4,848,000 |
| Provision for loan losses | 45,000 | 90,000 | 135,000 | 165,000 |
| Pretax income | 702,000 | 1,522,000 | 2,438,000 | 3,359,000 |
| Income tax | 196,000 | 437,000 | 717,000 | 1,006,000 |
| Net income | 506,000 | 1,085,000 | 1,721,000 | 2,353,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 20,233,000 | 20,464,000 | 20,897,000 | 21,324,000 |
| Total capital | 21,724,000 | 21,998,000 | 22,480,000 | 23,074,000 |
| Risk-weighted assets | 180,515,000 | 178,857,000 | 186,304,000 | 183,688,000 |