Call reports 2009
HCN BANK — 2009
What HCN BANK reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 453,843,000 | 447,257,000 | 434,924,000 | 465,128,000 |
| Total loans | 397,222,000 | 388,113,000 | 382,201,000 | 380,810,000 |
| Allowance for loan losses | 5,026,000 | 5,129,000 | 5,385,000 | 5,737,000 |
| Securities available for sale | 19,512,000 | 22,308,000 | 21,758,000 | 33,477,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 343,795,000 | 362,587,000 | 357,130,000 | 391,516,000 |
| Interest-bearing deposits | 260,819,000 | 287,145,000 | 282,739,000 | 301,363,000 |
| Noninterest-bearing deposits | 82,976,000 | 75,442,000 | 74,390,000 | 90,153,000 |
| Equity capital | 39,493,000 | 40,869,000 | 42,505,000 | 44,473,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 6,458,000 | 12,822,000 | 19,127,000 | 25,339,000 |
| Interest expense | 1,484,000 | 2,977,000 | 4,330,000 | 5,495,000 |
| Net interest income | 4,974,000 | 9,845,000 | 14,797,000 | 19,844,000 |
| Noninterest income | 383,000 | 773,000 | 1,158,000 | 1,590,000 |
| Noninterest expense | 2,555,000 | 5,762,000 | 8,897,000 | 11,672,000 |
| Provision for loan losses | 1,542,000 | 1,675,000 | 2,346,000 | 2,707,000 |
| Pretax income | 1,260,000 | 3,181,000 | 4,712,000 | 7,055,000 |
| Income tax | 65,000 | 142,000 | 204,000 | 273,000 |
| Net income | 1,195,000 | 3,039,000 | 4,508,000 | 6,782,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 39,319,000 | 40,762,000 | 42,238,000 | 44,306,000 |
| Total capital | 44,345,000 | 45,732,000 | 47,132,000 | 49,204,000 |
| Risk-weighted assets | 405,834,000 | 397,453,000 | 391,042,000 | 390,945,000 |