Call reports 2013
HEBRON SAVINGS BANK — 2013
What HEBRON SAVINGS BANK reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 506,678,000 | 506,024,000 | 508,474,000 | 524,638,000 |
| Total loans | 424,026,000 | 426,005,000 | 431,760,000 | 448,281,000 |
| Allowance for loan losses | 4,000,000 | 4,000,000 | 4,150,000 | 4,662,000 |
| Securities available for sale | 19,376,000 | 19,115,000 | 18,259,000 | 18,556,000 |
| Securities held to maturity | 14,309,000 | 14,257,000 | 14,091,000 | 12,938,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 423,017,000 | 419,990,000 | 422,119,000 | 433,232,000 |
| Interest-bearing deposits | 331,572,000 | 324,309,000 | 321,869,000 | 324,689,000 |
| Noninterest-bearing deposits | 91,445,000 | 95,681,000 | 100,250,000 | 108,543,000 |
| Equity capital | 39,311,000 | 39,826,000 | 40,956,000 | 41,183,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 6,111,000 | 12,239,000 | 18,356,000 | 24,550,000 |
| Interest expense | 1,432,000 | 2,869,000 | 4,157,000 | 5,223,000 |
| Net interest income | 4,679,000 | 9,370,000 | 14,199,000 | 19,327,000 |
| Noninterest income | 406,000 | 869,000 | 1,364,000 | 1,814,000 |
| Noninterest expense | 2,489,000 | 4,970,000 | 7,551,000 | 10,803,000 |
| Provision for loan losses | 956,000 | 1,975,000 | 2,877,000 | 3,776,000 |
| Pretax income | 1,641,000 | 3,296,000 | 5,137,000 | 6,564,000 |
| Income tax | 574,000 | 1,154,000 | 1,798,000 | 2,176,000 |
| Net income | 1,067,000 | 2,142,000 | 3,339,000 | 4,388,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 39,104,000 | 39,840,000 | 41,021,000 | 41,310,000 |
| Total capital | 43,395,000 | 44,112,000 | 45,442,000 | 46,191,000 |
| Risk-weighted assets | 368,696,000 | 371,664,000 | 376,605,000 | 389,462,000 |