Call reports 2003
HONESDALE NATIONAL BANK, THE — 2003
What HONESDALE NATIONAL BANK, THE reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 309,216,000 | 328,551,000 | 335,094,000 | 330,620,000 |
| Total loans | 191,035,000 | 199,354,000 | 210,022,000 | 222,007,000 |
| Allowance for loan losses | 2,508,000 | 2,758,000 | 3,040,000 | 3,394,000 |
| Securities available for sale | 59,800,000 | 87,331,000 | 94,588,000 | 88,019,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 274,938,000 | 292,956,000 | 298,414,000 | 293,718,000 |
| Interest-bearing deposits | 229,437,000 | 242,363,000 | 241,844,000 | 240,229,000 |
| Noninterest-bearing deposits | 45,501,000 | 50,593,000 | 56,570,000 | 53,489,000 |
| Equity capital | 27,387,000 | 28,417,000 | 28,706,000 | 29,382,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 3,706,000 | 7,491,000 | 11,332,000 | 15,369,000 |
| Interest expense | 1,342,000 | 2,687,000 | 3,933,000 | 5,064,000 |
| Net interest income | 2,364,000 | 4,804,000 | 7,399,000 | 10,305,000 |
| Noninterest income | 849,000 | 2,044,000 | 3,178,000 | 4,203,000 |
| Noninterest expense | 2,044,000 | 4,260,000 | 6,460,000 | 8,467,000 |
| Provision for loan losses | 0 | 300,000 | 600,000 | 985,000 |
| Pretax income | 1,169,000 | 2,288,000 | 3,517,000 | 5,056,000 |
| Income tax | 265,000 | 543,000 | 761,000 | 1,160,000 |
| Net income | 904,000 | 1,745,000 | 2,756,000 | 3,896,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 26,423,000 | 27,126,000 | 27,862,000 | 28,555,000 |
| Total capital | 28,931,000 | 29,884,000 | 30,902,000 | 31,783,000 |
| Risk-weighted assets | 230,173,000 | 244,007,000 | 259,829,000 | 258,047,000 |