Call reports 2014
HEBRON SAVINGS BANK — 2014
What HEBRON SAVINGS BANK reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 530,406,000 | 540,360,000 | 546,782,000 | 550,572,000 |
| Total loans | 449,020,000 | 462,309,000 | 466,238,000 | 465,585,000 |
| Allowance for loan losses | 5,212,000 | 5,462,000 | 5,212,000 | 6,112,000 |
| Securities available for sale | 18,851,000 | 19,810,000 | 19,181,000 | 22,806,000 |
| Securities held to maturity | 12,436,000 | 13,264,000 | 13,069,000 | 13,015,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 436,989,000 | 441,590,000 | 438,233,000 | 444,569,000 |
| Interest-bearing deposits | 330,309,000 | 337,946,000 | 332,375,000 | 335,387,000 |
| Noninterest-bearing deposits | 106,680,000 | 103,644,000 | 105,858,000 | 109,182,000 |
| Equity capital | 42,468,000 | 43,044,000 | 44,415,000 | 43,715,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 6,101,000 | 12,360,000 | 18,778,000 | 25,168,000 |
| Interest expense | 1,032,000 | 2,204,000 | 3,405,000 | 4,639,000 |
| Net interest income | 5,069,000 | 10,156,000 | 15,373,000 | 20,529,000 |
| Noninterest income | 525,000 | 1,028,000 | 1,399,000 | 1,689,000 |
| Noninterest expense | 2,665,000 | 5,379,000 | 8,218,000 | 11,675,000 |
| Provision for loan losses | 1,002,000 | 2,552,000 | 3,193,000 | 5,920,000 |
| Pretax income | 1,927,000 | 3,253,000 | 5,361,000 | 4,623,000 |
| Income tax | 675,000 | 1,139,000 | 1,876,000 | 1,402,000 |
| Net income | 1,252,000 | 2,114,000 | 3,485,000 | 3,221,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 42,562,000 | 43,085,000 | 44,455,000 | 43,691,000 |
| Total capital | 47,511,000 | 48,233,000 | 49,679,000 | 48,959,000 |
| Risk-weighted assets | 394,243,000 | 409,404,000 | 415,968,000 | 418,227,000 |