Call reports 2025
HCN BANK — 2025
What HCN BANK reported to the FFIEC in 2025, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Total assets | 997,524,000 | 961,127,000 | 996,035,000 | 974,892,000 |
| Total loans | 693,843,000 | 722,255,000 | 748,635,000 | 753,166,000 |
| Allowance for loan losses | 9,593,000 | 9,742,000 | 9,788,000 | 9,995,000 |
| Securities available for sale | 113,428,000 | 119,737,000 | 117,225,000 | 114,000,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 881,399,000 | 843,127,000 | 873,783,000 | 853,783,000 |
| Interest-bearing deposits | 540,369,000 | 546,114,000 | 577,089,000 | 567,821,000 |
| Noninterest-bearing deposits | 341,030,000 | 297,013,000 | 296,694,000 | 285,962,000 |
| Equity capital | 107,932,000 | 109,500,000 | 112,624,000 | 113,420,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Interest income | 11,867,000 | 23,960,000 | 36,174,000 | 48,728,000 |
| Interest expense | 2,541,000 | 5,371,000 | 8,300,000 | 11,104,000 |
| Net interest income | 9,326,000 | 18,589,000 | 27,874,000 | 37,624,000 |
| Noninterest income | 1,033,000 | 2,166,000 | 3,304,000 | 4,378,000 |
| Noninterest expense | 4,234,000 | 8,674,000 | 13,483,000 | 17,744,000 |
| Provision for loan losses | -39,000 | 115,000 | 170,000 | 382,000 |
| Pretax income | 6,225,000 | 12,067,000 | 17,582,000 | 23,382,000 |
| Income tax | 140,000 | 449,000 | 588,000 | 729,000 |
| Net income | 6,085,000 | 11,618,000 | 16,994,000 | 22,653,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 112,307,000 | 113,796,000 | 114,870,000 | 114,675,000 |
| Total capital | 121,795,000 | 123,562,000 | 124,750,000 | 124,731,000 |
| Risk-weighted assets | 758,910,000 | 788,538,000 | 811,152,000 | 814,481,000 |