Call reports 2006
HEBRON SAVINGS BANK — 2006
What HEBRON SAVINGS BANK reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 320,793,000 | 337,517,000 | 351,209,000 | 354,061,000 |
| Total loans | 269,053,000 | 290,851,000 | 298,554,000 | 305,379,000 |
| Allowance for loan losses | 3,212,000 | 3,451,000 | 3,532,000 | 3,594,000 |
| Securities available for sale | 18,005,000 | 18,155,000 | 19,066,000 | 18,973,000 |
| Securities held to maturity | 5,402,000 | 5,125,000 | 5,384,000 | 6,219,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 274,969,000 | 286,232,000 | 293,584,000 | 296,049,000 |
| Interest-bearing deposits | 236,333,000 | 246,437,000 | 254,157,000 | 256,543,000 |
| Noninterest-bearing deposits | 38,636,000 | 39,795,000 | 39,427,000 | 39,506,000 |
| Equity capital | 24,901,000 | 25,689,000 | 27,052,000 | 27,233,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 5,207,000 | 10,891,000 | 17,110,000 | 23,474,000 |
| Interest expense | 2,088,000 | 4,436,000 | 7,180,000 | 10,128,000 |
| Net interest income | 3,119,000 | 6,455,000 | 9,930,000 | 13,346,000 |
| Noninterest income | 334,000 | 712,000 | 1,122,000 | 1,491,000 |
| Noninterest expense | 1,656,000 | 3,316,000 | 5,131,000 | 7,539,000 |
| Provision for loan losses | 83,000 | 330,000 | 427,000 | 538,000 |
| Pretax income | 1,714,000 | 3,521,000 | 5,494,000 | 6,763,000 |
| Income tax | 651,000 | 1,338,000 | 2,087,000 | 2,492,000 |
| Net income | 1,063,000 | 2,183,000 | 3,407,000 | 4,271,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 24,864,000 | 25,740,000 | 26,968,000 | 27,163,000 |
| Total capital | 27,939,000 | 29,086,000 | 30,418,000 | 30,658,000 |
| Risk-weighted assets | 245,889,000 | 267,540,000 | 275,734,000 | 279,305,000 |