Call reports 2006
HCN BANK — 2006
What HCN BANK reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 385,015,000 | 408,270,000 | 396,406,000 | 394,203,000 |
| Total loans | 354,408,000 | 370,724,000 | 363,697,000 | 364,967,000 |
| Allowance for loan losses | 3,565,000 | 3,735,000 | 3,739,000 | 3,738,000 |
| Securities available for sale | 20,074,000 | 19,879,000 | 20,127,000 | 18,688,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 305,941,000 | 349,264,000 | 324,649,000 | 308,533,000 |
| Interest-bearing deposits | 222,087,000 | 267,734,000 | 247,121,000 | 220,996,000 |
| Noninterest-bearing deposits | 83,854,000 | 81,530,000 | 77,528,000 | 87,537,000 |
| Equity capital | 34,312,000 | 35,617,000 | 36,280,000 | 33,918,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 5,916,000 | 12,541,000 | 19,440,000 | 26,245,000 |
| Interest expense | 1,451,000 | 3,364,000 | 5,533,000 | 7,730,000 |
| Net interest income | 4,465,000 | 9,177,000 | 13,907,000 | 18,515,000 |
| Noninterest income | 384,000 | 718,000 | 1,098,000 | 1,455,000 |
| Noninterest expense | 2,196,000 | 4,360,000 | 6,564,000 | 8,858,000 |
| Provision for loan losses | 132,000 | 312,000 | 318,000 | 320,000 |
| Pretax income | 2,521,000 | 5,223,000 | 8,123,000 | 10,777,000 |
| Income tax | 93,000 | 210,000 | 313,000 | 392,000 |
| Net income | 2,428,000 | 5,013,000 | 7,810,000 | 10,536,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 34,743,000 | 36,117,000 | 36,599,000 | 34,168,000 |
| Total capital | 38,308,000 | 39,852,000 | 40,338,000 | 37,906,000 |
| Risk-weighted assets | 364,474,000 | 381,660,000 | 374,565,000 | 378,345,000 |