Call reports 2009
HEBRON SAVINGS BANK — 2009
What HEBRON SAVINGS BANK reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 439,782,000 | 437,226,000 | 434,549,000 | 446,040,000 |
| Total loans | 369,811,000 | 367,986,000 | 364,832,000 | 377,918,000 |
| Allowance for loan losses | 3,574,000 | 3,060,000 | 2,580,000 | 3,793,000 |
| Securities available for sale | 21,010,000 | 20,374,000 | 20,041,000 | 17,534,000 |
| Securities held to maturity | 8,134,000 | 8,013,000 | 9,400,000 | 9,787,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 349,920,000 | 347,959,000 | 346,077,000 | 354,534,000 |
| Interest-bearing deposits | 300,868,000 | 299,482,000 | 298,702,000 | 304,075,000 |
| Noninterest-bearing deposits | 49,052,000 | 48,477,000 | 47,375,000 | 50,459,000 |
| Equity capital | 34,468,000 | 34,682,000 | 34,975,000 | 34,426,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 6,000,000 | 12,160,000 | 18,306,000 | 24,554,000 |
| Interest expense | 2,955,000 | 5,779,000 | 8,556,000 | 11,199,000 |
| Net interest income | 3,045,000 | 6,381,000 | 9,750,000 | 13,355,000 |
| Noninterest income | 236,000 | 602,000 | 598,000 | 595,000 |
| Noninterest expense | 2,119,000 | 4,455,000 | 6,765,000 | 9,386,000 |
| Provision for loan losses | 171,000 | 602,000 | 1,325,000 | 3,225,000 |
| Pretax income | 991,000 | 1,932,000 | 2,264,000 | 1,347,000 |
| Income tax | 367,000 | 715,000 | 838,000 | 199,000 |
| Net income | 624,000 | 1,217,000 | 1,426,000 | 1,148,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 34,124,000 | 34,453,000 | 34,686,000 | 34,201,000 |
| Total capital | 37,730,000 | 37,545,000 | 37,301,000 | 38,017,000 |
| Risk-weighted assets | 334,495,000 | 333,883,000 | 332,135,000 | 342,244,000 |