Call reports 2005
HCN BANK — 2005
What HCN BANK reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 370,779,000 | 377,565,000 | 369,903,000 | 360,422,000 |
| Total loans | 335,435,000 | 337,876,000 | 339,063,000 | 330,539,000 |
| Allowance for loan losses | 3,371,000 | 3,403,000 | 3,434,000 | 3,434,000 |
| Securities available for sale | 24,477,000 | 31,338,000 | 22,423,000 | 21,044,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 307,942,000 | 302,309,000 | 307,202,000 | 298,954,000 |
| Interest-bearing deposits | 228,256,000 | 226,978,000 | 224,461,000 | 216,911,000 |
| Noninterest-bearing deposits | 79,686,000 | 75,331,000 | 82,741,000 | 82,044,000 |
| Equity capital | 31,229,000 | 31,654,000 | 31,879,000 | 31,894,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 5,204,000 | 10,820,000 | 16,747,000 | 22,585,000 |
| Interest expense | 981,000 | 2,081,000 | 3,338,000 | 4,622,000 |
| Net interest income | 4,223,000 | 8,739,000 | 13,409,000 | 17,963,000 |
| Noninterest income | 324,000 | 649,000 | 956,000 | 1,506,000 |
| Noninterest expense | 2,149,000 | 4,217,000 | 6,379,000 | 8,875,000 |
| Provision for loan losses | 98,000 | 130,000 | 122,000 | 90,000 |
| Pretax income | 2,300,000 | 5,041,000 | 7,864,000 | 10,504,000 |
| Income tax | 86,000 | 184,000 | 285,000 | 377,000 |
| Net income | 2,188,000 | 4,833,000 | 7,555,000 | 10,099,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 31,636,000 | 31,874,000 | 32,188,000 | 32,326,000 |
| Total capital | 35,007,000 | 35,277,000 | 35,622,000 | 35,760,000 |
| Risk-weighted assets | 344,722,000 | 348,278,000 | 348,458,000 | 339,284,000 |