Call reports 2011
HEBRON SAVINGS BANK — 2011
What HEBRON SAVINGS BANK reported to the FFIEC in 2011, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Total assets | 470,503,000 | 476,144,000 | 484,626,000 | 480,110,000 |
| Total loans | 400,191,000 | 402,835,000 | 412,679,000 | 411,380,000 |
| Allowance for loan losses | 4,616,000 | 4,900,000 | 4,462,000 | 4,600,000 |
| Securities available for sale | 18,837,000 | 18,341,000 | 15,998,000 | 17,728,000 |
| Securities held to maturity | 12,632,000 | 12,955,000 | 13,815,000 | 13,768,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 387,450,000 | 386,398,000 | 392,293,000 | 389,248,000 |
| Interest-bearing deposits | 328,564,000 | 326,603,000 | 327,285,000 | 322,596,000 |
| Noninterest-bearing deposits | 58,886,000 | 59,795,000 | 65,008,000 | 66,652,000 |
| Equity capital | 35,977,000 | 36,420,000 | 36,929,000 | 36,556,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Interest income | 6,282,000 | 12,734,000 | 19,276,000 | 25,818,000 |
| Interest expense | 2,173,000 | 4,282,000 | 6,360,000 | 8,373,000 |
| Net interest income | 4,109,000 | 8,452,000 | 12,916,000 | 17,445,000 |
| Noninterest income | 304,000 | 326,000 | 462,000 | 535,000 |
| Noninterest expense | 2,515,000 | 5,000,000 | 7,504,000 | 10,201,000 |
| Provision for loan losses | 1,100,000 | 2,133,000 | 3,585,000 | 6,130,000 |
| Pretax income | 799,000 | 1,646,000 | 2,280,000 | 1,641,000 |
| Income tax | 280,000 | 576,000 | 798,000 | 244,000 |
| Net income | 519,000 | 1,070,000 | 1,482,000 | 1,397,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Tier 1 capital | 35,945,000 | 36,253,000 | 36,665,000 | 36,321,000 |
| Total capital | 40,360,000 | 40,704,000 | 41,190,000 | 40,899,000 |
| Risk-weighted assets | 350,837,000 | 352,488,000 | 361,213,000 | 361,268,000 |