Call reports 2005
HONESDALE NATIONAL BANK, THE — 2005
What HONESDALE NATIONAL BANK, THE reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 335,891,000 | 354,747,000 | 369,080,000 | 354,330,000 |
| Total loans | 241,839,000 | 247,895,000 | 254,566,000 | 260,675,000 |
| Allowance for loan losses | 3,252,000 | 3,406,000 | 3,918,000 | 3,753,000 |
| Securities available for sale | 65,817,000 | 76,461,000 | 77,805,000 | 66,083,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 293,543,000 | 309,918,000 | 323,020,000 | 310,871,000 |
| Interest-bearing deposits | 234,809,000 | 244,049,000 | 254,309,000 | 246,605,000 |
| Noninterest-bearing deposits | 58,734,000 | 65,869,000 | 68,711,000 | 64,266,000 |
| Equity capital | 34,149,000 | 35,534,000 | 36,583,000 | 37,032,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 4,331,000 | 8,931,000 | 13,860,000 | 19,015,000 |
| Interest expense | 981,000 | 2,117,000 | 3,413,000 | 4,846,000 |
| Net interest income | 3,350,000 | 6,814,000 | 10,447,000 | 14,169,000 |
| Noninterest income | 894,000 | 2,007,000 | 3,145,000 | 4,226,000 |
| Noninterest expense | 2,251,000 | 4,683,000 | 7,312,000 | 9,816,000 |
| Provision for loan losses | 0 | 150,000 | 650,000 | 900,000 |
| Pretax income | 1,993,000 | 3,988,000 | 5,576,000 | 7,558,000 |
| Income tax | 551,000 | 1,101,000 | 1,513,000 | 2,052,000 |
| Net income | 1,442,000 | 2,887,000 | 4,063,000 | 5,506,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 33,746,000 | 35,025,000 | 36,036,000 | 36,845,000 |
| Total capital | 36,998,000 | 38,431,000 | 39,628,000 | 40,395,000 |
| Risk-weighted assets | 262,390,000 | 277,809,000 | 286,615,000 | 283,498,000 |