Call reports 2007
HEBRON SAVINGS BANK — 2007
What HEBRON SAVINGS BANK reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 373,497,000 | 372,587,000 | 377,032,000 | 391,286,000 |
| Total loans | 315,651,000 | 317,026,000 | 326,130,000 | 342,239,000 |
| Allowance for loan losses | 3,686,000 | 3,699,000 | 3,781,000 | 3,926,000 |
| Securities available for sale | 18,441,000 | 17,799,000 | 15,609,000 | 14,756,000 |
| Securities held to maturity | 7,033,000 | 7,713,000 | 7,546,000 | 7,406,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 315,166,000 | 312,097,000 | 318,335,000 | 313,846,000 |
| Interest-bearing deposits | 274,145,000 | 269,330,000 | 273,622,000 | 269,523,000 |
| Noninterest-bearing deposits | 41,021,000 | 42,767,000 | 44,713,000 | 44,323,000 |
| Equity capital | 28,304,000 | 29,218,000 | 30,605,000 | 30,850,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 6,499,000 | 13,175,000 | 20,050,000 | 26,899,000 |
| Interest expense | 3,038,000 | 6,211,000 | 9,446,000 | 12,685,000 |
| Net interest income | 3,461,000 | 6,964,000 | 10,604,000 | 14,214,000 |
| Noninterest income | 389,000 | 810,000 | 1,235,000 | 1,750,000 |
| Noninterest expense | 1,805,000 | 3,598,000 | 5,565,000 | 8,280,000 |
| Provision for loan losses | 85,000 | 114,000 | 213,000 | 381,000 |
| Pretax income | 1,960,000 | 4,062,000 | 6,061,000 | 7,303,000 |
| Income tax | 745,000 | 1,544,000 | 2,303,000 | 2,567,000 |
| Net income | 1,215,000 | 2,518,000 | 3,758,000 | 4,736,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 28,207,000 | 29,228,000 | 30,505,000 | 30,651,000 |
| Total capital | 31,837,000 | 32,927,000 | 34,234,000 | 34,564,000 |
| Risk-weighted assets | 290,045,000 | 297,001,000 | 298,022,000 | 311,857,000 |