Call reports 2013
HCN BANK — 2013
What HCN BANK reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 461,598,000 | 460,733,000 | 464,665,000 | 455,295,000 |
| Total loans | 361,742,000 | 369,402,000 | 373,019,000 | 380,565,000 |
| Allowance for loan losses | 6,912,000 | 6,900,000 | 6,895,000 | 6,429,000 |
| Securities available for sale | 38,278,000 | 34,289,000 | 33,975,000 | 32,655,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 405,179,000 | 403,906,000 | 406,711,000 | 398,277,000 |
| Interest-bearing deposits | 289,956,000 | 289,789,000 | 289,175,000 | 278,762,000 |
| Noninterest-bearing deposits | 115,223,000 | 114,117,000 | 117,536,000 | 119,515,000 |
| Equity capital | 55,365,000 | 55,473,000 | 56,265,000 | 56,184,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 5,485,000 | 10,887,000 | 16,337,000 | 21,784,000 |
| Interest expense | 179,000 | 339,000 | 494,000 | 639,000 |
| Net interest income | 5,306,000 | 10,548,000 | 15,843,000 | 21,145,000 |
| Noninterest income | 688,000 | 1,352,000 | 2,352,000 | 2,930,000 |
| Noninterest expense | 2,758,000 | 5,489,000 | 8,288,000 | 11,077,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 3,236,000 | 6,411,000 | 9,907,000 | 12,892,000 |
| Income tax | 113,000 | 295,000 | 417,000 | 498,000 |
| Net income | 3,123,000 | 6,116,000 | 9,490,000 | 12,394,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 54,636,000 | 55,115,000 | 55,983,000 | 55,918,000 |
| Total capital | 59,343,000 | 59,890,000 | 60,785,000 | 60,834,000 |
| Risk-weighted assets | 372,590,000 | 379,860,000 | 382,074,000 | 391,782,000 |