Call reports 2015
HCN BANK — 2015
What HCN BANK reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 514,212,000 | 586,041,000 | 633,444,000 | 609,269,000 |
| Total loans | 400,972,000 | 376,209,000 | 384,890,000 | 393,916,000 |
| Allowance for loan losses | 6,407,000 | 6,410,000 | 5,912,000 | 5,915,000 |
| Securities available for sale | 40,702,000 | 38,487,000 | 46,361,000 | 43,357,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 454,853,000 | 525,676,000 | 571,574,000 | 548,911,000 |
| Interest-bearing deposits | 304,224,000 | 341,106,000 | 390,040,000 | 350,289,000 |
| Noninterest-bearing deposits | 150,629,000 | 184,570,000 | 181,534,000 | 198,622,000 |
| Equity capital | 58,191,000 | 58,942,000 | 60,194,000 | 59,375,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 5,424,000 | 11,140,000 | 16,698,000 | 22,328,000 |
| Interest expense | 140,000 | 276,000 | 426,000 | 574,000 |
| Net interest income | 5,284,000 | 10,864,000 | 16,272,000 | 21,754,000 |
| Noninterest income | 770,000 | 1,642,000 | 2,370,000 | 3,194,000 |
| Noninterest expense | 2,930,000 | 5,843,000 | 8,732,000 | 11,929,000 |
| Provision for loan losses | 3,000 | 16,000 | -475,000 | -465,000 |
| Pretax income | 3,121,000 | 6,647,000 | 10,385,000 | 13,484,000 |
| Income tax | 109,000 | 189,000 | 265,000 | 399,000 |
| Net income | 3,012,000 | 6,458,000 | 10,120,000 | 13,085,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 57,720,000 | 58,623,000 | 59,766,000 | 59,234,000 |
| Total capital | 63,153,000 | 63,736,000 | 65,108,000 | 64,750,000 |
| Risk-weighted assets | 433,107,000 | 407,747,000 | 426,602,000 | 440,892,000 |