Call reports 2015
HEBRON SAVINGS BANK — 2015
What HEBRON SAVINGS BANK reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 542,525,000 | 543,130,000 | 552,996,000 | 557,141,000 |
| Total loans | 460,970,000 | 458,193,000 | 451,057,000 | 442,533,000 |
| Allowance for loan losses | 6,662,000 | 6,962,000 | 7,237,000 | 6,712,000 |
| Securities available for sale | 21,108,000 | 20,593,000 | 25,246,000 | 29,947,000 |
| Securities held to maturity | 12,624,000 | 13,039,000 | 13,937,000 | 13,950,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 437,814,000 | 439,806,000 | 450,439,000 | 456,919,000 |
| Interest-bearing deposits | 336,831,000 | 337,085,000 | 346,503,000 | 347,202,000 |
| Noninterest-bearing deposits | 100,983,000 | 102,721,000 | 103,936,000 | 109,717,000 |
| Equity capital | 44,823,000 | 45,414,000 | 46,417,000 | 46,245,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 6,240,000 | 12,425,000 | 18,493,000 | 24,469,000 |
| Interest expense | 1,164,000 | 2,307,000 | 3,476,000 | 4,640,000 |
| Net interest income | 5,076,000 | 10,118,000 | 15,017,000 | 19,829,000 |
| Noninterest income | 422,000 | 705,000 | 1,257,000 | 1,806,000 |
| Noninterest expense | 3,100,000 | 6,007,000 | 9,010,000 | 12,471,000 |
| Provision for loan losses | 827,000 | 1,654,000 | 2,641,000 | 3,949,000 |
| Pretax income | 1,580,000 | 3,171,000 | 4,633,000 | 5,226,000 |
| Income tax | 553,000 | 1,110,000 | 1,622,000 | 1,660,000 |
| Net income | 1,027,000 | 2,061,000 | 3,011,000 | 3,566,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 44,702,000 | 45,397,000 | 46,330,000 | 46,318,000 |
| Total capital | 50,368,000 | 51,015,000 | 51,970,000 | 51,933,000 |
| Risk-weighted assets | 449,505,000 | 445,973,000 | 446,828,000 | 446,344,000 |