Call reports 2023
HCN BANK — 2023
What HCN BANK reported to the FFIEC in 2023, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Total assets | 941,703,000 | 905,329,000 | 919,894,000 | 903,701,000 |
| Total loans | 694,540,000 | 704,747,000 | 714,438,000 | 709,514,000 |
| Allowance for loan losses | 9,617,000 | 9,730,000 | 9,863,000 | 9,784,000 |
| Securities available for sale | 139,464,000 | 133,078,000 | 126,224,000 | 129,862,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 843,741,000 | 806,964,000 | 821,002,000 | 799,631,000 |
| Interest-bearing deposits | 527,502,000 | 512,635,000 | 524,437,000 | 493,066,000 |
| Noninterest-bearing deposits | 316,239,000 | 294,329,000 | 296,565,000 | 306,565,000 |
| Equity capital | 91,027,000 | 91,003,000 | 90,817,000 | 96,770,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Interest income | 10,253,000 | 20,545,000 | 30,919,000 | 41,771,000 |
| Interest expense | 343,000 | 1,207,000 | 2,643,000 | 4,503,000 |
| Net interest income | 9,910,000 | 19,338,000 | 28,276,000 | 37,268,000 |
| Noninterest income | 987,000 | 1,895,000 | 2,797,000 | 4,873,000 |
| Noninterest expense | 3,896,000 | 7,877,000 | 11,913,000 | 16,178,000 |
| Provision for loan losses | 45,000 | 165,000 | 307,000 | 234,000 |
| Pretax income | 6,987,000 | 13,213,000 | 18,816,000 | 22,484,000 |
| Income tax | 261,000 | 644,000 | 784,000 | 947,000 |
| Net income | 6,726,000 | 12,569,000 | 18,032,000 | 21,537,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Tier 1 capital | 104,256,000 | 106,342,000 | 108,035,000 | 105,242,000 |
| Total capital | 113,713,000 | 115,927,000 | 117,714,000 | 114,878,000 |
| Risk-weighted assets | 756,258,000 | 766,568,000 | 774,123,000 | 770,645,000 |