Call reports 2004
HEBRON SAVINGS BANK — 2004
What HEBRON SAVINGS BANK reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 250,775,000 | 254,521,000 | 259,735,000 | 267,531,000 |
| Total loans | 190,561,000 | 201,158,000 | 209,951,000 | 217,424,000 |
| Allowance for loan losses | 2,287,000 | 2,414,000 | 2,520,000 | 2,617,000 |
| Securities available for sale | 11,900,000 | 11,741,000 | 15,232,000 | 18,208,000 |
| Securities held to maturity | 3,991,000 | 3,766,000 | 3,799,000 | 4,576,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 221,900,000 | 223,484,000 | 227,985,000 | 235,990,000 |
| Interest-bearing deposits | 192,726,000 | 191,888,000 | 198,121,000 | 204,406,000 |
| Noninterest-bearing deposits | 29,174,000 | 31,596,000 | 29,864,000 | 31,584,000 |
| Equity capital | 17,938,000 | 18,194,000 | 19,092,000 | 18,804,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 3,599,000 | 7,179,000 | 10,966,000 | 14,949,000 |
| Interest expense | 1,272,000 | 2,568,000 | 3,906,000 | 5,295,000 |
| Net interest income | 2,327,000 | 4,611,000 | 7,060,000 | 9,654,000 |
| Noninterest income | 247,000 | 511,000 | 801,000 | 1,119,000 |
| Noninterest expense | 1,285,000 | 2,579,000 | 3,917,000 | 5,817,000 |
| Provision for loan losses | -157,000 | -38,000 | 135,000 | 242,000 |
| Pretax income | 1,446,000 | 2,581,000 | 3,809,000 | 4,714,000 |
| Income tax | 535,000 | 955,000 | 1,409,000 | 1,737,000 |
| Net income | 911,000 | 1,626,000 | 2,400,000 | 2,977,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 17,402,000 | 17,876,000 | 18,629,000 | 18,376,000 |
| Total capital | 19,557,000 | 20,138,000 | 20,998,000 | 20,855,000 |
| Risk-weighted assets | 171,655,000 | 180,771,000 | 189,103,000 | 197,996,000 |