Call reports 2002
HONESDALE NATIONAL BANK, THE — 2002
What HONESDALE NATIONAL BANK, THE reported to the FFIEC in 2002, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Total assets | 263,611,000 | 274,716,000 | 289,756,000 | 299,536,000 |
| Total loans | 170,939,000 | 175,618,000 | 183,921,000 | 188,328,000 |
| Allowance for loan losses | 2,265,000 | 2,283,000 | 2,349,000 | 2,526,000 |
| Securities available for sale | 53,219,000 | 54,918,000 | 54,032,000 | 59,056,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 232,470,000 | 242,341,000 | 256,111,000 | 266,170,000 |
| Interest-bearing deposits | 194,220,000 | 199,984,000 | 208,912,000 | 221,424,000 |
| Noninterest-bearing deposits | 38,250,000 | 42,357,000 | 47,199,000 | 44,746,000 |
| Equity capital | 24,591,000 | 25,689,000 | 26,663,000 | 26,635,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Interest income | 3,699,000 | 7,434,000 | 11,252,000 | 15,020,000 |
| Interest expense | 1,561,000 | 3,052,000 | 4,536,000 | 5,970,000 |
| Net interest income | 2,138,000 | 4,382,000 | 6,716,000 | 9,050,000 |
| Noninterest income | 702,000 | 1,486,000 | 2,329,000 | 3,258,000 |
| Noninterest expense | 1,888,000 | 3,747,000 | 5,682,000 | 7,907,000 |
| Provision for loan losses | 0 | 75,000 | 175,000 | 375,000 |
| Pretax income | 952,000 | 2,046,000 | 3,188,000 | 4,026,000 |
| Income tax | 213,000 | 511,000 | 730,000 | 873,000 |
| Net income | 739,000 | 1,535,000 | 2,458,000 | 3,153,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 24,079,000 | 24,755,000 | 25,550,000 | 25,658,000 |
| Total capital | 26,344,000 | 27,038,000 | 27,899,000 | 28,184,000 |
| Risk-weighted assets | 209,391,000 | 209,709,000 | 218,763,000 | 224,398,000 |