Call reports 2012
HEBRON SAVINGS BANK — 2012
What HEBRON SAVINGS BANK reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 495,071,000 | 504,765,000 | 502,378,000 | 500,085,000 |
| Total loans | 414,677,000 | 410,814,000 | 412,601,000 | 424,243,000 |
| Allowance for loan losses | 4,050,000 | 3,750,000 | 3,750,000 | 4,000,000 |
| Securities available for sale | 17,930,000 | 20,107,000 | 19,533,000 | 18,770,000 |
| Securities held to maturity | 13,508,000 | 13,465,000 | 13,386,000 | 14,303,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 402,020,000 | 421,398,000 | 419,469,000 | 420,966,000 |
| Interest-bearing deposits | 322,966,000 | 339,588,000 | 335,583,000 | 331,667,000 |
| Noninterest-bearing deposits | 79,054,000 | 81,810,000 | 83,886,000 | 89,299,000 |
| Equity capital | 37,008,000 | 37,283,000 | 37,878,000 | 38,267,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 6,359,000 | 12,628,000 | 18,911,000 | 25,106,000 |
| Interest expense | 1,879,000 | 3,757,000 | 5,488,000 | 7,124,000 |
| Net interest income | 4,480,000 | 8,871,000 | 13,423,000 | 17,982,000 |
| Noninterest income | -243,000 | -485,000 | -1,079,000 | -913,000 |
| Noninterest expense | 2,671,000 | 5,101,000 | 7,608,000 | 10,405,000 |
| Provision for loan losses | 795,000 | 1,731,000 | 2,297,000 | 3,486,000 |
| Pretax income | 768,000 | 1,551,000 | 2,436,000 | 3,175,000 |
| Income tax | 269,000 | 543,000 | 853,000 | 840,000 |
| Net income | 499,000 | 1,008,000 | 1,583,000 | 2,335,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 36,820,000 | 37,069,000 | 37,626,000 | 38,038,000 |
| Total capital | 41,156,000 | 41,112,000 | 41,675,000 | 42,333,000 |
| Risk-weighted assets | 368,213,000 | 366,529,000 | 366,284,000 | 369,835,000 |