Call reports 2016
HONESDALE NATIONAL BANK, THE — 2016
What HONESDALE NATIONAL BANK, THE reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 596,666,000 | 610,759,000 | 609,145,000 | 621,531,000 |
| Total loans | 440,333,000 | 452,475,000 | 455,830,000 | 465,827,000 |
| Allowance for loan losses | 8,162,000 | 8,444,000 | 8,437,000 | 8,418,000 |
| Securities available for sale | 120,346,000 | 115,743,000 | 110,536,000 | 112,789,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 498,583,000 | 510,765,000 | 507,386,000 | 521,773,000 |
| Interest-bearing deposits | 375,718,000 | 375,278,000 | 367,289,000 | 387,647,000 |
| Noninterest-bearing deposits | 122,865,000 | 135,487,000 | 140,097,000 | 134,126,000 |
| Equity capital | 91,167,000 | 92,816,000 | 93,767,000 | 92,825,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 5,754,000 | 11,562,000 | 17,426,000 | 23,383,000 |
| Interest expense | 512,000 | 1,009,000 | 1,502,000 | 2,004,000 |
| Net interest income | 5,242,000 | 10,553,000 | 15,924,000 | 21,379,000 |
| Noninterest income | 947,000 | 2,199,000 | 3,424,000 | 4,762,000 |
| Noninterest expense | 3,841,000 | 7,664,000 | 11,534,000 | 15,593,000 |
| Provision for loan losses | 225,000 | 475,000 | 575,000 | 575,000 |
| Pretax income | 2,123,000 | 4,613,000 | 7,239,000 | 9,973,000 |
| Income tax | 449,000 | 1,021,000 | 1,641,000 | 2,290,000 |
| Net income | 1,674,000 | 3,592,000 | 5,598,000 | 7,683,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 88,895,000 | 90,274,000 | 91,469,000 | 92,186,000 |
| Total capital | 94,960,000 | 96,553,000 | 97,652,000 | 98,469,000 |
| Risk-weighted assets | 482,926,000 | 499,983,000 | 492,169,000 | 500,308,000 |