Call reports 2010
HCN BANK — 2010
What HCN BANK reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 470,320,000 | 478,367,000 | 473,124,000 | 444,531,000 |
| Total loans | 378,285,000 | 372,803,000 | 369,979,000 | 363,596,000 |
| Allowance for loan losses | 5,972,000 | 6,141,000 | 6,291,000 | 6,517,000 |
| Securities available for sale | 32,697,000 | 35,118,000 | 32,637,000 | 31,071,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 400,666,000 | 407,876,000 | 417,368,000 | 388,431,000 |
| Interest-bearing deposits | 322,604,000 | 333,986,000 | 326,084,000 | 300,129,000 |
| Noninterest-bearing deposits | 78,062,000 | 73,890,000 | 91,284,000 | 88,302,000 |
| Equity capital | 46,808,000 | 47,272,000 | 48,788,000 | 49,388,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 6,061,000 | 12,136,000 | 18,195,000 | 24,098,000 |
| Interest expense | 954,000 | 1,828,000 | 2,487,000 | 3,051,000 |
| Net interest income | 5,107,000 | 10,308,000 | 15,708,000 | 21,047,000 |
| Noninterest income | 365,000 | 730,000 | 1,142,000 | 1,625,000 |
| Noninterest expense | 2,791,000 | 5,799,000 | 8,641,000 | 11,160,000 |
| Provision for loan losses | 294,000 | 503,000 | 847,000 | 1,457,000 |
| Pretax income | 2,387,000 | 4,799,000 | 7,425,000 | 10,118,000 |
| Income tax | 62,000 | 247,000 | 352,000 | 425,000 |
| Net income | 2,325,000 | 4,552,000 | 7,073,000 | 9,693,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 46,483,000 | 46,747,000 | 48,267,000 | 48,990,000 |
| Total capital | 51,349,000 | 51,554,000 | 53,035,000 | 53,652,000 |
| Risk-weighted assets | 388,188,000 | 382,527,000 | 378,869,000 | 370,937,000 |