Call reports 2016
HEBRON SAVINGS BANK — 2016
What HEBRON SAVINGS BANK reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 561,634,000 | 558,897,000 | 568,119,000 | 561,789,000 |
| Total loans | 444,601,000 | 454,396,000 | 470,156,000 | 477,072,000 |
| Allowance for loan losses | 6,977,000 | 7,262,000 | 7,262,000 | 7,262,000 |
| Securities available for sale | 32,702,000 | 30,919,000 | 30,541,000 | 27,516,000 |
| Securities held to maturity | 17,420,000 | 17,546,000 | 16,800,000 | 16,766,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 462,545,000 | 461,171,000 | 466,268,000 | 465,948,000 |
| Interest-bearing deposits | 348,563,000 | 345,000,000 | 345,905,000 | 343,362,000 |
| Noninterest-bearing deposits | 113,982,000 | 116,171,000 | 120,363,000 | 122,586,000 |
| Equity capital | 47,338,000 | 48,052,000 | 49,093,000 | 48,943,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 5,714,000 | 11,434,000 | 17,266,000 | 23,274,000 |
| Interest expense | 1,122,000 | 2,228,000 | 3,318,000 | 4,381,000 |
| Net interest income | 4,592,000 | 9,206,000 | 13,948,000 | 18,893,000 |
| Noninterest income | 486,000 | 1,009,000 | 1,565,000 | 2,071,000 |
| Noninterest expense | 3,195,000 | 6,296,000 | 9,523,000 | 13,137,000 |
| Provision for loan losses | 510,000 | 1,072,000 | 1,599,000 | 2,138,000 |
| Pretax income | 1,373,000 | 2,848,000 | 4,392,000 | 5,690,000 |
| Income tax | 448,000 | 929,000 | 1,432,000 | 1,836,000 |
| Net income | 925,000 | 1,919,000 | 2,960,000 | 3,854,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 47,226,000 | 47,878,000 | 48,899,000 | 49,130,000 |
| Total capital | 52,932,000 | 53,689,000 | 54,878,000 | 55,277,000 |
| Risk-weighted assets | 452,117,000 | 459,673,000 | 473,781,000 | 490,419,000 |