Call reports 2020
HEBRON SAVINGS BANK — 2020
What HEBRON SAVINGS BANK reported to the FFIEC in 2020, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Total assets | 614,063,000 | 698,578,000 | 700,669,000 | 720,411,000 |
| Total loans | 509,809,000 | 564,381,000 | 559,238,000 | 556,656,000 |
| Allowance for loan losses | 8,825,000 | 9,000,000 | 9,300,000 | 9,300,000 |
| Securities available for sale | 31,745,000 | 30,013,000 | 26,845,000 | 20,780,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 521,288,000 | 595,625,000 | 598,795,000 | 626,263,000 |
| Interest-bearing deposits | 372,622,000 | 384,632,000 | 393,769,000 | 409,302,000 |
| Noninterest-bearing deposits | 148,665,000 | 210,993,000 | 205,026,000 | 216,962,000 |
| Equity capital | 61,431,000 | 62,287,000 | 63,645,000 | 64,144,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Interest income | 6,679,000 | 13,305,000 | 20,247,000 | 27,094,000 |
| Interest expense | 1,418,000 | 2,825,000 | 4,175,000 | 5,571,000 |
| Net interest income | 5,261,000 | 10,480,000 | 16,072,000 | 21,523,000 |
| Noninterest income | 602,000 | 1,122,000 | 1,602,000 | 2,187,000 |
| Noninterest expense | 3,993,000 | 7,736,000 | 11,509,000 | 15,418,000 |
| Provision for loan losses | 15,000 | 421,000 | 876,000 | 1,062,000 |
| Pretax income | 1,855,000 | 3,445,000 | 5,289,000 | 7,306,000 |
| Income tax | 464,000 | 844,000 | 1,322,000 | 1,774,000 |
| Net income | 1,391,000 | 2,601,000 | 3,967,000 | 5,532,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Tier 1 capital | 60,882,000 | 61,668,000 | 63,016,000 | 63,611,000 |
| Total capital | 67,569,000 | 68,531,000 | 69,839,000 | 70,582,000 |
| Risk-weighted assets | 529,744,000 | 542,838,000 | 539,283,000 | 554,989,000 |