Call reports 2023
HEBRON SAVINGS BANK — 2023
What HEBRON SAVINGS BANK reported to the FFIEC in 2023, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Total assets | 772,305,000 | 750,974,000 | 741,838,000 | 723,838,000 |
| Total loans | 501,056,000 | 498,547,000 | 516,117,000 | 538,313,000 |
| Allowance for loan losses | 8,600,000 | 8,600,000 | 8,600,000 | 8,600,000 |
| Securities available for sale | 135,516,000 | 130,250,000 | 124,900,000 | 127,070,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 684,265,000 | 662,212,000 | 652,013,000 | 628,959,000 |
| Interest-bearing deposits | 424,808,000 | 407,969,000 | 389,972,000 | 376,659,000 |
| Noninterest-bearing deposits | 259,456,000 | 254,243,000 | 262,041,000 | 252,300,000 |
| Equity capital | 72,075,000 | 72,855,000 | 73,954,000 | 78,893,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Interest income | 8,977,000 | 18,204,000 | 27,703,000 | 37,234,000 |
| Interest expense | 632,000 | 1,323,000 | 2,159,000 | 3,171,000 |
| Net interest income | 8,345,000 | 16,881,000 | 25,544,000 | 34,063,000 |
| Noninterest income | 704,000 | 1,455,000 | 2,179,000 | 2,907,000 |
| Noninterest expense | 4,590,000 | 9,270,000 | 14,070,000 | 19,119,000 |
| Provision for loan losses | 124,000 | 190,000 | 226,000 | 210,000 |
| Pretax income | 4,399,000 | 8,876,000 | 13,304,000 | 17,696,000 |
| Income tax | 1,126,000 | 2,290,000 | 3,432,000 | 4,581,000 |
| Net income | 3,273,000 | 6,586,000 | 9,872,000 | 13,115,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Tier 1 capital | 78,968,000 | 81,666,000 | 84,894,000 | 86,625,000 |
| Total capital | 86,098,000 | 88,897,000 | 92,287,000 | 94,178,000 |
| Risk-weighted assets | 568,569,000 | 576,733,000 | 589,880,000 | 602,817,000 |