Call reports 2008
HCN BANK — 2008
What HCN BANK reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 409,188,000 | 408,233,000 | 434,319,000 | 429,271,000 |
| Total loans | 381,510,000 | 381,509,000 | 397,500,000 | 404,919,000 |
| Allowance for loan losses | 3,910,000 | 3,908,000 | 4,004,000 | 5,163,000 |
| Securities available for sale | 13,435,000 | 12,652,000 | 11,757,000 | 10,129,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 309,562,000 | 313,019,000 | 333,879,000 | 323,711,000 |
| Interest-bearing deposits | 228,271,000 | 237,704,000 | 249,929,000 | 250,452,000 |
| Noninterest-bearing deposits | 81,291,000 | 75,315,000 | 83,949,000 | 73,259,000 |
| Equity capital | 35,926,000 | 36,182,000 | 39,933,000 | 37,826,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 6,915,000 | 13,433,000 | 20,047,000 | 26,574,000 |
| Interest expense | 2,328,000 | 4,265,000 | 6,135,000 | 7,920,000 |
| Net interest income | 4,587,000 | 9,168,000 | 13,912,000 | 18,654,000 |
| Noninterest income | 373,000 | 781,000 | 1,179,000 | 1,640,000 |
| Noninterest expense | 2,444,000 | 4,860,000 | 7,333,000 | 9,662,000 |
| Provision for loan losses | 62,000 | 66,000 | 165,000 | 1,327,000 |
| Pretax income | 2,454,000 | 5,023,000 | 7,593,000 | 9,305,000 |
| Income tax | 89,000 | 180,000 | 273,000 | 330,000 |
| Net income | 2,365,000 | 4,866,000 | 7,343,000 | 8,998,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 35,809,000 | 36,170,000 | 39,898,000 | 37,758,000 |
| Total capital | 39,719,000 | 40,078,000 | 43,902,000 | 42,921,000 |
| Risk-weighted assets | 391,569,000 | 391,129,000 | 409,305,000 | 415,099,000 |