Call reports 2019
HEBRON SAVINGS BANK — 2019
What HEBRON SAVINGS BANK reported to the FFIEC in 2019, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Total assets | 607,377,000 | 602,414,000 | 609,205,000 | 604,392,000 |
| Total loans | 530,719,000 | 521,459,000 | 510,115,000 | 512,034,000 |
| Allowance for loan losses | 8,750,000 | 8,650,000 | 8,825,000 | 8,825,000 |
| Securities available for sale | 20,228,000 | 21,712,000 | 33,675,000 | 33,054,000 |
| Securities held to maturity | 14,428,000 | 13,685,000 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 506,313,000 | 502,282,000 | 514,362,000 | 511,145,000 |
| Interest-bearing deposits | 368,175,000 | 359,003,000 | 365,197,000 | 366,806,000 |
| Noninterest-bearing deposits | 138,139,000 | 143,279,000 | 149,165,000 | 144,339,000 |
| Equity capital | 56,546,000 | 57,703,000 | 59,279,000 | 59,661,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Interest income | 6,726,000 | 13,665,000 | 20,620,000 | 27,612,000 |
| Interest expense | 1,362,000 | 2,787,000 | 4,229,000 | 5,680,000 |
| Net interest income | 5,364,000 | 10,878,000 | 16,391,000 | 21,932,000 |
| Noninterest income | 575,000 | 1,217,000 | 1,803,000 | 2,320,000 |
| Noninterest expense | 3,736,000 | 7,516,000 | 11,397,000 | 15,472,000 |
| Provision for loan losses | 326,000 | 780,000 | 1,104,000 | 1,414,000 |
| Pretax income | 1,877,000 | 3,799,000 | 5,693,000 | 7,366,000 |
| Income tax | 494,000 | 999,000 | 1,497,000 | 1,730,000 |
| Net income | 1,383,000 | 2,800,000 | 4,196,000 | 5,636,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Tier 1 capital | 56,711,000 | 57,715,000 | 59,079,000 | 59,519,000 |
| Total capital | 63,549,000 | 64,440,000 | 65,683,000 | 66,160,000 |
| Risk-weighted assets | 544,830,000 | 535,478,000 | 524,586,000 | 528,161,000 |