Call reports 2004
HCN BANK — 2004
What HCN BANK reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 323,325,000 | 326,907,000 | 336,839,000 | 357,411,000 |
| Total loans | 288,221,000 | 293,666,000 | 297,053,000 | 325,618,000 |
| Allowance for loan losses | 2,921,000 | 2,972,000 | 2,995,000 | 3,275,000 |
| Securities available for sale | 21,195,000 | 23,437,000 | 24,859,000 | 24,721,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 281,870,000 | 280,264,000 | 288,374,000 | 299,556,000 |
| Interest-bearing deposits | 212,948,000 | 210,834,000 | 215,629,000 | 228,502,000 |
| Noninterest-bearing deposits | 68,922,000 | 69,430,000 | 72,745,000 | 71,055,000 |
| Equity capital | 28,244,000 | 29,099,000 | 29,983,000 | 30,484,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 4,363,000 | 8,814,000 | 13,439,000 | 18,377,000 |
| Interest expense | 674,000 | 1,346,000 | 2,079,000 | 2,950,000 |
| Net interest income | 3,689,000 | 7,468,000 | 11,360,000 | 15,427,000 |
| Noninterest income | 555,000 | 1,088,000 | 1,569,000 | 2,182,000 |
| Noninterest expense | 1,990,000 | 4,119,000 | 6,206,000 | 8,552,000 |
| Provision for loan losses | 10,000 | 62,000 | 89,000 | 376,000 |
| Pretax income | 2,244,000 | 4,375,000 | 6,647,000 | 8,694,000 |
| Income tax | -19,000 | 55,000 | 125,000 | 202,000 |
| Net income | 2,263,000 | 4,320,000 | 6,522,000 | 8,031,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 28,221,000 | 29,472,000 | 30,065,000 | 30,660,000 |
| Total capital | 31,142,000 | 32,444,000 | 33,060,000 | 33,935,000 |
| Risk-weighted assets | 298,138,000 | 303,256,000 | 308,595,000 | 334,792,000 |