Call reports 2009
HONESDALE NATIONAL BANK, THE — 2009
What HONESDALE NATIONAL BANK, THE reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 476,749,000 | 484,117,000 | 498,745,000 | 515,266,000 |
| Total loans | 370,348,000 | 376,151,000 | 381,637,000 | 388,824,000 |
| Allowance for loan losses | 6,063,000 | 6,273,000 | 6,388,000 | 6,711,000 |
| Securities available for sale | 71,407,000 | 70,989,000 | 72,784,000 | 74,207,000 |
| Securities held to maturity | 0 | 0 | 4,100,000 | 2,600,000 |
| Trading assets | 946,000 | 805,000 | 1,810,000 | 1,533,000 |
| Total deposits | 416,136,000 | 422,248,000 | 435,717,000 | 444,828,000 |
| Interest-bearing deposits | 345,380,000 | 345,880,000 | 354,656,000 | 366,823,000 |
| Noninterest-bearing deposits | 70,756,000 | 76,368,000 | 81,061,000 | 78,005,000 |
| Equity capital | 53,170,000 | 54,443,000 | 56,013,000 | 56,959,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 6,536,000 | 13,096,000 | 19,554,000 | 25,991,000 |
| Interest expense | 2,052,000 | 3,958,000 | 5,720,000 | 7,490,000 |
| Net interest income | 4,484,000 | 9,138,000 | 13,834,000 | 18,501,000 |
| Noninterest income | 1,296,000 | 2,745,000 | 3,528,000 | 4,902,000 |
| Noninterest expense | 3,211,000 | 6,862,000 | 10,275,000 | 13,347,000 |
| Provision for loan losses | 250,000 | 500,000 | 750,000 | 1,150,000 |
| Pretax income | 2,319,000 | 4,521,000 | 6,337,000 | 8,906,000 |
| Income tax | 679,000 | 1,311,000 | 1,811,000 | 2,551,000 |
| Net income | 1,640,000 | 3,210,000 | 4,526,000 | 6,355,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 52,295,000 | 53,600,000 | 54,659,000 | 55,767,000 |
| Total capital | 57,268,000 | 58,623,000 | 59,819,000 | 61,067,000 |
| Risk-weighted assets | 396,549,000 | 400,419,000 | 411,385,000 | 422,915,000 |