Call reports 2008
HEBRON SAVINGS BANK — 2008
What HEBRON SAVINGS BANK reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 411,312,000 | 427,079,000 | 437,100,000 | 432,251,000 |
| Total loans | 355,336,000 | 363,435,000 | 372,590,000 | 368,775,000 |
| Allowance for loan losses | 4,063,000 | 4,116,000 | 4,198,000 | 3,665,000 |
| Securities available for sale | 13,104,000 | 14,947,000 | 14,609,000 | 16,817,000 |
| Securities held to maturity | 8,122,000 | 8,057,000 | 8,561,000 | 8,029,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 331,273,000 | 339,449,000 | 341,382,000 | 341,654,000 |
| Interest-bearing deposits | 287,300,000 | 293,193,000 | 294,238,000 | 296,668,000 |
| Noninterest-bearing deposits | 43,973,000 | 46,256,000 | 47,144,000 | 44,986,000 |
| Equity capital | 31,725,000 | 32,358,000 | 33,505,000 | 33,789,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 6,757,000 | 13,459,000 | 20,225,000 | 26,645,000 |
| Interest expense | 3,349,000 | 6,650,000 | 9,806,000 | 12,919,000 |
| Net interest income | 3,408,000 | 6,809,000 | 10,419,000 | 13,726,000 |
| Noninterest income | 456,000 | 990,000 | 1,485,000 | 1,974,000 |
| Noninterest expense | 2,042,000 | 4,071,000 | 6,114,000 | 8,700,000 |
| Provision for loan losses | 255,000 | 424,000 | 567,000 | 1,202,000 |
| Pretax income | 1,568,000 | 3,305,000 | 5,224,000 | 5,799,000 |
| Income tax | 596,000 | 1,256,000 | 1,985,000 | 1,949,000 |
| Net income | 972,000 | 2,049,000 | 3,239,000 | 3,850,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 31,440,000 | 32,237,000 | 33,405,000 | 33,478,000 |
| Total capital | 35,496,000 | 36,362,000 | 37,599,000 | 37,171,000 |
| Risk-weighted assets | 322,510,000 | 329,169,000 | 334,681,000 | 334,004,000 |