Call reports 2006
HONESDALE NATIONAL BANK, THE — 2006
What HONESDALE NATIONAL BANK, THE reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 356,968,000 | 377,415,000 | 389,770,000 | 394,229,000 |
| Total loans | 265,025,000 | 282,448,000 | 292,889,000 | 298,396,000 |
| Allowance for loan losses | 4,280,000 | 4,499,000 | 4,698,000 | 5,107,000 |
| Securities available for sale | 60,779,000 | 63,517,000 | 65,757,000 | 68,393,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 311,073,000 | 330,515,000 | 340,538,000 | 345,985,000 |
| Interest-bearing deposits | 247,501,000 | 262,792,000 | 270,034,000 | 279,684,000 |
| Noninterest-bearing deposits | 63,572,000 | 67,723,000 | 70,504,000 | 66,301,000 |
| Equity capital | 39,020,000 | 40,198,000 | 41,333,000 | 42,192,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 5,219,000 | 10,864,000 | 16,862,000 | 23,220,000 |
| Interest expense | 1,427,000 | 3,148,000 | 5,156,000 | 7,500,000 |
| Net interest income | 3,792,000 | 7,716,000 | 11,706,000 | 15,720,000 |
| Noninterest income | 1,806,000 | 2,866,000 | 3,854,000 | 4,846,000 |
| Noninterest expense | 2,112,000 | 4,584,000 | 7,179,000 | 9,778,000 |
| Provision for loan losses | 250,000 | 500,000 | 675,000 | 1,175,000 |
| Pretax income | 3,236,000 | 5,498,000 | 7,672,000 | 9,548,000 |
| Income tax | 967,000 | 1,620,000 | 2,239,000 | 2,762,000 |
| Net income | 2,269,000 | 3,878,000 | 5,433,000 | 6,786,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 38,936,000 | 40,366,000 | 41,143,000 | 41,898,000 |
| Total capital | 42,502,000 | 43,979,000 | 45,122,000 | 45,985,000 |
| Risk-weighted assets | 284,420,000 | 304,133,000 | 317,449,000 | 325,793,000 |