Call reports 2007
HCN BANK — 2007
What HCN BANK reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 402,391,000 | 396,957,000 | 389,374,000 | 406,642,000 |
| Total loans | 360,493,000 | 370,094,000 | 360,059,000 | 382,608,000 |
| Allowance for loan losses | 3,737,000 | 3,743,000 | 3,734,000 | 3,852,000 |
| Securities available for sale | 17,796,000 | 14,820,000 | 14,202,000 | 14,036,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 322,359,000 | 311,551,000 | 303,548,000 | 301,325,000 |
| Interest-bearing deposits | 239,893,000 | 232,980,000 | 222,696,000 | 222,029,000 |
| Noninterest-bearing deposits | 82,466,000 | 78,571,000 | 80,853,000 | 79,296,000 |
| Equity capital | 34,209,000 | 34,714,000 | 35,369,000 | 35,638,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 6,712,000 | 13,448,000 | 20,364,000 | 27,174,000 |
| Interest expense | 2,238,000 | 4,640,000 | 7,005,000 | 9,368,000 |
| Net interest income | 4,474,000 | 8,808,000 | 13,359,000 | 17,806,000 |
| Noninterest income | 414,000 | 845,000 | 1,247,000 | 1,648,000 |
| Noninterest expense | 2,105,000 | 4,344,000 | 6,603,000 | 8,945,000 |
| Provision for loan losses | 0 | 7,000 | 1,000 | 122,000 |
| Pretax income | 2,783,000 | 5,302,000 | 8,002,000 | 10,387,000 |
| Income tax | 88,000 | 177,000 | 243,000 | 352,000 |
| Net income | 2,695,000 | 5,125,000 | 7,759,000 | 10,202,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 34,411,000 | 34,958,000 | 35,462,000 | 35,638,000 |
| Total capital | 38,148,000 | 38,701,000 | 39,196,000 | 39,490,000 |
| Risk-weighted assets | 375,583,000 | 380,867,000 | 370,311,000 | 391,376,000 |