Call reports 2004
HONESDALE NATIONAL BANK, THE — 2004
What HONESDALE NATIONAL BANK, THE reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 332,467,000 | 335,730,000 | 339,164,000 | 330,300,000 |
| Total loans | 227,975,000 | 235,084,000 | 240,846,000 | 241,960,000 |
| Allowance for loan losses | 3,694,000 | 4,098,000 | 4,266,000 | 3,265,000 |
| Securities available for sale | 82,855,000 | 80,369,000 | 70,771,000 | 57,466,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 294,435,000 | 298,037,000 | 299,515,000 | 290,177,000 |
| Interest-bearing deposits | 241,037,000 | 238,742,000 | 234,789,000 | 230,610,000 |
| Noninterest-bearing deposits | 53,398,000 | 59,295,000 | 64,726,000 | 59,567,000 |
| Equity capital | 30,724,000 | 30,162,000 | 31,987,000 | 33,149,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 4,014,000 | 8,098,000 | 12,334,000 | 16,624,000 |
| Interest expense | 1,060,000 | 2,022,000 | 2,936,000 | 3,862,000 |
| Net interest income | 2,954,000 | 6,076,000 | 9,398,000 | 12,762,000 |
| Noninterest income | 912,000 | 1,935,000 | 2,994,000 | 3,981,000 |
| Noninterest expense | 2,157,000 | 4,460,000 | 6,984,000 | 8,316,000 |
| Provision for loan losses | 300,000 | 750,000 | 950,000 | 1,100,000 |
| Pretax income | 1,409,000 | 2,801,000 | 4,444,000 | 7,055,000 |
| Income tax | 339,000 | 685,000 | 1,112,000 | 1,863,000 |
| Net income | 1,070,000 | 2,116,000 | 3,332,000 | 5,192,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 29,472,000 | 30,160,000 | 31,225,000 | 32,469,000 |
| Total capital | 32,624,000 | 33,354,000 | 34,453,000 | 35,644,000 |
| Risk-weighted assets | 251,583,000 | 254,657,000 | 256,442,000 | 253,131,000 |