Call reports 2008
HONESDALE NATIONAL BANK, THE — 2008
What HONESDALE NATIONAL BANK, THE reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 443,618,000 | 459,797,000 | 468,996,000 | 477,893,000 |
| Total loans | 325,701,000 | 340,859,000 | 355,566,000 | 365,168,000 |
| Allowance for loan losses | 5,328,000 | 5,657,000 | 5,802,000 | 5,849,000 |
| Securities available for sale | 80,730,000 | 82,123,000 | 81,103,000 | 83,565,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 5,739,000 | 2,674,000 | 4,090,000 | 1,031,000 |
| Total deposits | 385,984,000 | 402,286,000 | 411,319,000 | 416,047,000 |
| Interest-bearing deposits | 316,240,000 | 323,982,000 | 326,599,000 | 341,107,000 |
| Noninterest-bearing deposits | 69,744,000 | 78,304,000 | 84,720,000 | 74,940,000 |
| Equity capital | 49,090,000 | 49,897,000 | 50,106,000 | 51,562,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 6,812,000 | 13,639,000 | 20,425,000 | 27,335,000 |
| Interest expense | 2,899,000 | 5,421,000 | 7,712,000 | 9,981,000 |
| Net interest income | 3,913,000 | 8,218,000 | 12,713,000 | 17,354,000 |
| Noninterest income | 1,096,000 | 2,242,000 | 3,404,000 | 4,522,000 |
| Noninterest expense | 2,718,000 | 5,734,000 | 8,917,000 | 11,480,000 |
| Provision for loan losses | 0 | 350,000 | 550,000 | 950,000 |
| Pretax income | 2,291,000 | 4,376,000 | 6,650,000 | 9,252,000 |
| Income tax | 675,000 | 1,274,000 | 1,938,000 | 2,649,000 |
| Net income | 1,616,000 | 3,102,000 | 4,712,000 | 6,603,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 48,095,000 | 49,359,000 | 49,745,000 | 50,918,000 |
| Total capital | 52,713,000 | 53,994,000 | 54,711,000 | 55,922,000 |
| Risk-weighted assets | 370,583,000 | 381,812,000 | 396,242,000 | 401,767,000 |