Call reports 2003
HEBRON SAVINGS BANK — 2003
What HEBRON SAVINGS BANK reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 209,326,000 | 212,608,000 | 228,079,000 | 233,587,000 |
| Total loans | 163,676,000 | 173,776,000 | 182,866,000 | 189,550,000 |
| Allowance for loan losses | 1,994,000 | 2,157,000 | 2,394,000 | 2,405,000 |
| Securities available for sale | 5,775,000 | 4,987,000 | 6,460,000 | 9,435,000 |
| Securities held to maturity | 7,068,000 | 6,503,000 | 5,867,000 | 4,876,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 184,243,000 | 190,567,000 | 202,484,000 | 207,002,000 |
| Interest-bearing deposits | 160,362,000 | 163,655,000 | 172,128,000 | 179,024,000 |
| Noninterest-bearing deposits | 23,881,000 | 26,912,000 | 30,356,000 | 27,978,000 |
| Equity capital | 16,065,000 | 16,505,000 | 17,108,000 | 17,162,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 3,229,000 | 6,511,000 | 9,878,000 | 13,345,000 |
| Interest expense | 1,251,000 | 2,483,000 | 3,703,000 | 4,937,000 |
| Net interest income | 1,978,000 | 4,028,000 | 6,175,000 | 8,408,000 |
| Noninterest income | 717,000 | 975,000 | 1,212,000 | 1,472,000 |
| Noninterest expense | 1,090,000 | 2,219,000 | 3,332,000 | 4,939,000 |
| Provision for loan losses | 113,000 | 292,000 | 581,000 | 672,000 |
| Pretax income | 1,492,000 | 2,492,000 | 3,479,000 | 4,274,000 |
| Income tax | 559,000 | 929,000 | 1,294,000 | 1,511,000 |
| Net income | 933,000 | 1,563,000 | 2,185,000 | 2,763,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 15,353,000 | 15,810,000 | 16,455,000 | 16,583,000 |
| Total capital | 17,141,000 | 17,692,000 | 18,489,000 | 18,684,000 |
| Risk-weighted assets | 142,843,000 | 150,304,000 | 161,849,000 | 167,871,000 |