Call reports 2025
HEBRON SAVINGS BANK — 2025
What HEBRON SAVINGS BANK reported to the FFIEC in 2025, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Total assets | 772,013,000 | 776,462,000 | 792,058,000 | 813,727,000 |
| Total loans | 563,332,000 | 562,284,000 | 584,561,000 | 626,736,000 |
| Allowance for loan losses | 8,299,000 | 8,253,000 | 8,261,000 | 8,509,000 |
| Securities available for sale | 79,024,000 | 78,227,000 | 76,835,000 | 75,152,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 666,769,000 | 668,436,000 | 680,031,000 | 700,380,000 |
| Interest-bearing deposits | 404,358,000 | 398,273,000 | 399,572,000 | 409,013,000 |
| Noninterest-bearing deposits | 262,411,000 | 270,163,000 | 280,459,000 | 291,367,000 |
| Equity capital | 93,220,000 | 96,120,000 | 100,114,000 | 102,303,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Interest income | 9,866,000 | 20,231,000 | 30,871,000 | 41,916,000 |
| Interest expense | 1,897,000 | 3,765,000 | 5,706,000 | 7,700,000 |
| Net interest income | 7,969,000 | 16,466,000 | 25,165,000 | 34,216,000 |
| Noninterest income | 809,000 | 1,675,000 | 2,508,000 | 3,459,000 |
| Noninterest expense | 5,183,000 | 10,230,000 | 15,382,000 | 20,499,000 |
| Provision for loan losses | -289,000 | -343,000 | -317,000 | -50,000 |
| Pretax income | 4,066,000 | 8,364,000 | 12,632,000 | 17,405,000 |
| Income tax | 1,057,000 | 2,175,000 | 3,292,000 | 4,382,000 |
| Net income | 3,009,000 | 6,189,000 | 9,340,000 | 13,023,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 99,725,000 | 102,047,000 | 105,149,000 | 107,074,000 |
| Total capital | 107,168,000 | 109,567,000 | 113,182,000 | 115,647,000 |
| Risk-weighted assets | 594,345,000 | 600,551,000 | 641,945,000 | 685,578,000 |