Call reports 2002
HEBRON SAVINGS BANK — 2002
What HEBRON SAVINGS BANK reported to the FFIEC in 2002, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Total assets | 174,070,000 | 180,741,000 | 193,748,000 | 197,346,000 |
| Total loans | 136,281,000 | 145,161,000 | 154,791,000 | 156,700,000 |
| Allowance for loan losses | 1,635,000 | 1,742,000 | 1,858,000 | 1,880,000 |
| Securities available for sale | 6,805,000 | 6,617,000 | 6,439,000 | 5,901,000 |
| Securities held to maturity | 7,212,000 | 5,956,000 | 5,183,000 | 8,033,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 155,732,000 | 161,988,000 | 170,046,000 | 173,404,000 |
| Interest-bearing deposits | 136,249,000 | 141,633,000 | 147,175,000 | 152,282,000 |
| Noninterest-bearing deposits | 19,483,000 | 20,355,000 | 22,871,000 | 21,122,000 |
| Equity capital | 14,655,000 | 14,444,000 | 15,096,000 | 15,230,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Interest income | 3,019,000 | 6,089,000 | 9,313,000 | 12,676,000 |
| Interest expense | 1,364,000 | 2,704,000 | 4,088,000 | 5,465,000 |
| Net interest income | 1,655,000 | 3,385,000 | 5,225,000 | 7,211,000 |
| Noninterest income | 149,000 | 349,000 | 552,000 | 804,000 |
| Noninterest expense | 864,000 | 1,768,000 | 2,738,000 | 4,107,000 |
| Provision for loan losses | 109,000 | 212,000 | 394,000 | 457,000 |
| Pretax income | 831,000 | 1,754,000 | 2,645,000 | 3,451,000 |
| Income tax | 304,000 | 649,000 | 978,000 | 1,238,000 |
| Net income | 527,000 | 1,105,000 | 1,667,000 | 2,213,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 13,984,000 | 13,736,000 | 14,328,000 | 14,491,000 |
| Total capital | 15,413,000 | 15,249,000 | 15,966,000 | 16,183,000 |
| Risk-weighted assets | 114,077,000 | 120,776,000 | 130,806,000 | 135,176,000 |