Call reports 2003
HCN BANK — 2003
What HCN BANK reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 292,428,000 | 301,181,000 | 304,330,000 | 312,995,000 |
| Total loans | 250,479,000 | 254,696,000 | 262,299,000 | 275,141,000 |
| Allowance for loan losses | 2,943,000 | 2,921,000 | 2,906,000 | 2,909,000 |
| Securities available for sale | 20,548,000 | 21,746,000 | 24,466,000 | 22,166,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 254,104,000 | 260,837,000 | 263,512,000 | 266,387,000 |
| Interest-bearing deposits | 205,554,000 | 201,926,000 | 204,690,000 | 242,366,000 |
| Noninterest-bearing deposits | 48,550,000 | 58,911,000 | 58,822,000 | 24,021,000 |
| Equity capital | 22,097,000 | 23,004,000 | 26,406,000 | 26,546,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 4,034,000 | 8,018,000 | 12,031,000 | 16,343,000 |
| Interest expense | 1,071,000 | 1,979,000 | 2,744,000 | 3,426,000 |
| Net interest income | 2,963,000 | 6,039,000 | 9,287,000 | 12,917,000 |
| Noninterest income | 390,000 | 842,000 | 1,259,000 | 1,712,000 |
| Noninterest expense | 1,928,000 | 3,861,000 | 5,793,000 | 8,502,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 1,425,000 | 3,020,000 | 4,753,000 | 6,127,000 |
| Income tax | 1,733,000 | 1,779,000 | 1,846,000 | 1,893,000 |
| Net income | -308,000 | 1,241,000 | 2,907,000 | 4,234,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 22,116,000 | 22,980,000 | 26,518,000 | 26,638,000 |
| Total capital | 28,059,000 | 28,901,000 | 29,424,000 | 29,547,000 |
| Risk-weighted assets | 262,155,000 | 265,844,000 | 273,628,000 | 285,760,000 |