Call reports 2013
HONESDALE NATIONAL BANK, THE — 2013
What HONESDALE NATIONAL BANK, THE reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 570,655,000 | 580,020,000 | 584,038,000 | 582,235,000 |
| Total loans | 410,362,000 | 407,831,000 | 408,363,000 | 413,013,000 |
| Allowance for loan losses | 7,776,000 | 7,968,000 | 7,988,000 | 7,973,000 |
| Securities available for sale | 121,206,000 | 121,574,000 | 119,027,000 | 127,973,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 480,149,000 | 490,352,000 | 493,054,000 | 491,515,000 |
| Interest-bearing deposits | 385,497,000 | 389,320,000 | 382,015,000 | 389,628,000 |
| Noninterest-bearing deposits | 94,652,000 | 101,032,000 | 111,039,000 | 101,887,000 |
| Equity capital | 76,231,000 | 74,916,000 | 75,593,000 | 76,127,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 5,674,000 | 11,460,000 | 17,129,000 | 22,893,000 |
| Interest expense | 820,000 | 1,602,000 | 2,335,000 | 3,046,000 |
| Net interest income | 4,854,000 | 9,858,000 | 14,794,000 | 19,847,000 |
| Noninterest income | 1,397,000 | 2,885,000 | 4,066,000 | 5,129,000 |
| Noninterest expense | 3,742,000 | 7,442,000 | 11,077,000 | 14,571,000 |
| Provision for loan losses | 250,000 | 500,000 | 600,000 | 600,000 |
| Pretax income | 2,259,000 | 4,798,000 | 7,180,000 | 9,802,000 |
| Income tax | 489,000 | 1,093,000 | 1,737,000 | 2,352,000 |
| Net income | 1,770,000 | 3,705,000 | 5,443,000 | 7,450,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 73,947,000 | 75,428,000 | 76,714,000 | 77,713,000 |
| Total capital | 79,396,000 | 80,894,000 | 82,243,000 | 83,257,000 |
| Risk-weighted assets | 433,384,000 | 434,605,000 | 439,666,000 | 440,950,000 |