Call reports 2005
HEBRON SAVINGS BANK — 2005
What HEBRON SAVINGS BANK reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 276,714,000 | 295,677,000 | 302,612,000 | 304,839,000 |
| Total loans | 229,267,000 | 243,881,000 | 255,107,000 | 259,089,000 |
| Allowance for loan losses | 2,752,000 | 2,927,000 | 3,058,000 | 3,102,000 |
| Securities available for sale | 17,105,000 | 16,928,000 | 16,186,000 | 16,555,000 |
| Securities held to maturity | 4,817,000 | 4,396,000 | 3,878,000 | 5,619,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 237,042,000 | 249,593,000 | 257,859,000 | 259,390,000 |
| Interest-bearing deposits | 204,582,000 | 214,993,000 | 220,959,000 | 219,031,000 |
| Noninterest-bearing deposits | 32,460,000 | 34,600,000 | 36,900,000 | 40,359,000 |
| Equity capital | 19,322,000 | 23,124,000 | 23,988,000 | 24,165,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 4,114,000 | 8,571,000 | 13,394,000 | 18,415,000 |
| Interest expense | 1,459,000 | 3,121,000 | 4,978,000 | 6,899,000 |
| Net interest income | 2,655,000 | 5,450,000 | 8,416,000 | 11,516,000 |
| Noninterest income | 315,000 | 670,000 | 1,019,000 | 1,385,000 |
| Noninterest expense | 1,460,000 | 2,924,000 | 4,499,000 | 6,653,000 |
| Provision for loan losses | 142,000 | 314,000 | 491,000 | 604,000 |
| Pretax income | 1,368,000 | 2,882,000 | 4,445,000 | 5,644,000 |
| Income tax | 520,000 | 1,095,000 | 1,689,000 | 2,096,000 |
| Net income | 848,000 | 1,787,000 | 2,756,000 | 3,548,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 19,069,000 | 22,787,000 | 23,779,000 | 24,028,000 |
| Total capital | 21,678,000 | 25,587,000 | 26,677,000 | 26,970,000 |
| Risk-weighted assets | 208,594,000 | 223,559,000 | 231,690,000 | 235,171,000 |