Call reports 2010
HEBRON SAVINGS BANK — 2010
What HEBRON SAVINGS BANK reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 449,592,000 | 456,482,000 | 468,772,000 | 468,853,000 |
| Total loans | 379,796,000 | 387,692,000 | 389,134,000 | 397,600,000 |
| Allowance for loan losses | 3,594,000 | 3,700,000 | 3,901,000 | 4,305,000 |
| Securities available for sale | 17,524,000 | 17,501,000 | 19,247,000 | 20,394,000 |
| Securities held to maturity | 11,128,000 | 11,723,000 | 12,603,000 | 13,062,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 363,612,000 | 365,231,000 | 378,321,000 | 382,582,000 |
| Interest-bearing deposits | 311,575,000 | 313,824,000 | 324,949,000 | 321,233,000 |
| Noninterest-bearing deposits | 52,037,000 | 51,407,000 | 53,372,000 | 61,349,000 |
| Equity capital | 34,997,000 | 35,275,000 | 35,692,000 | 35,527,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 6,088,000 | 12,338,000 | 18,685,000 | 25,083,000 |
| Interest expense | 2,530,000 | 5,064,000 | 7,628,000 | 10,080,000 |
| Net interest income | 3,558,000 | 7,274,000 | 11,057,000 | 15,003,000 |
| Noninterest income | 302,000 | 586,000 | 955,000 | 920,000 |
| Noninterest expense | 2,269,000 | 4,615,000 | 7,135,000 | 9,926,000 |
| Provision for loan losses | 670,000 | 1,570,000 | 2,518,000 | 3,765,000 |
| Pretax income | 922,000 | 1,676,000 | 2,359,000 | 2,232,000 |
| Income tax | 341,000 | 620,000 | 873,000 | 460,000 |
| Net income | 581,000 | 1,056,000 | 1,486,000 | 1,772,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 34,781,000 | 34,969,000 | 35,400,000 | 35,426,000 |
| Total capital | 38,404,000 | 38,717,000 | 39,354,000 | 39,762,000 |
| Risk-weighted assets | 340,590,000 | 341,597,000 | 345,972,000 | 347,791,000 |