Call reports 2015
HONESDALE NATIONAL BANK, THE — 2015
What HONESDALE NATIONAL BANK, THE reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 589,367,000 | 597,958,000 | 601,662,000 | 604,618,000 |
| Total loans | 424,465,000 | 426,916,000 | 429,361,000 | 441,115,000 |
| Allowance for loan losses | 8,058,000 | 8,057,000 | 8,101,000 | 8,119,000 |
| Securities available for sale | 117,435,000 | 127,910,000 | 123,520,000 | 122,668,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 495,448,000 | 503,536,000 | 498,492,000 | 507,717,000 |
| Interest-bearing deposits | 380,822,000 | 379,173,000 | 373,559,000 | 383,475,000 |
| Noninterest-bearing deposits | 114,626,000 | 124,363,000 | 124,933,000 | 124,242,000 |
| Equity capital | 86,487,000 | 86,873,000 | 88,702,000 | 89,812,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 5,614,000 | 11,225,000 | 16,919,000 | 22,658,000 |
| Interest expense | 551,000 | 1,098,000 | 1,634,000 | 2,163,000 |
| Net interest income | 5,063,000 | 10,127,000 | 15,285,000 | 20,495,000 |
| Noninterest income | 1,001,000 | 2,063,000 | 3,210,000 | 4,308,000 |
| Noninterest expense | 3,717,000 | 7,397,000 | 11,233,000 | 14,918,000 |
| Provision for loan losses | 70,000 | 95,000 | 150,000 | 225,000 |
| Pretax income | 2,277,000 | 4,700,000 | 7,114,000 | 9,662,000 |
| Income tax | 498,000 | 1,048,000 | 1,575,000 | 2,163,000 |
| Net income | 1,779,000 | 3,652,000 | 5,539,000 | 7,499,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 84,093,000 | 85,480,000 | 86,881,000 | 87,762,000 |
| Total capital | 89,841,000 | 91,419,000 | 92,755,000 | 93,854,000 |
| Risk-weighted assets | 457,393,000 | 472,784,000 | 467,479,000 | 485,129,000 |