Call reports 2007
HONESDALE NATIONAL BANK, THE — 2007
What HONESDALE NATIONAL BANK, THE reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 400,676,000 | 421,770,000 | 444,295,000 | 448,238,000 |
| Total loans | 304,365,000 | 304,721,000 | 313,977,000 | 316,644,000 |
| Allowance for loan losses | 5,100,000 | 5,277,000 | 5,269,000 | 5,306,000 |
| Securities available for sale | 54,320,000 | 65,383,000 | 86,551,000 | 96,408,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 12,578,000 | 6,444,000 | 1,323,000 | 4,275,000 |
| Total deposits | 349,258,000 | 369,226,000 | 389,895,000 | 392,434,000 |
| Interest-bearing deposits | 281,364,000 | 299,655,000 | 316,734,000 | 323,839,000 |
| Noninterest-bearing deposits | 67,894,000 | 69,571,000 | 73,161,000 | 68,595,000 |
| Equity capital | 43,484,000 | 44,454,000 | 46,200,000 | 47,716,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 6,432,000 | 13,038,000 | 20,141,000 | 27,325,000 |
| Interest expense | 2,474,000 | 5,132,000 | 8,065,000 | 11,164,000 |
| Net interest income | 3,958,000 | 7,906,000 | 12,076,000 | 16,161,000 |
| Noninterest income | 1,044,000 | 2,056,000 | 3,142,000 | 4,283,000 |
| Noninterest expense | 2,780,000 | 5,516,000 | 8,294,000 | 10,796,000 |
| Provision for loan losses | 100,000 | 250,000 | 350,000 | 350,000 |
| Pretax income | 2,122,000 | 4,196,000 | 6,574,000 | 9,298,000 |
| Income tax | 593,000 | 1,206,000 | 1,912,000 | 2,723,000 |
| Net income | 1,529,000 | 2,990,000 | 4,662,000 | 6,575,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 43,224,000 | 44,483,000 | 45,950,000 | 47,190,000 |
| Total capital | 47,116,000 | 48,563,000 | 50,544,000 | 51,893,000 |
| Risk-weighted assets | 330,668,000 | 337,340,000 | 366,505,000 | 375,142,000 |