Call reports 2015
HIBERNIA BANK — 2015
What HIBERNIA BANK reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 108,427,000 | 109,817,000 | 114,053,000 | 112,858,000 |
| Total loans | 89,984,000 | 93,041,000 | 94,488,000 | 97,863,000 |
| Allowance for loan losses | 695,000 | 722,000 | 744,000 | 776,000 |
| Securities available for sale | 8,327,000 | 7,467,000 | 8,245,000 | 6,896,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 86,973,000 | 88,320,000 | 92,408,000 | 91,189,000 |
| Interest-bearing deposits | 75,769,000 | 76,986,000 | 81,991,000 | 81,444,000 |
| Noninterest-bearing deposits | 11,204,000 | 11,334,000 | 10,417,000 | 9,745,000 |
| Equity capital | 19,720,000 | 19,726,000 | 19,805,000 | 19,817,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 980,000 | 1,998,000 | 3,038,000 | 4,119,000 |
| Interest expense | 141,000 | 292,000 | 451,000 | 621,000 |
| Net interest income | 839,000 | 1,706,000 | 2,587,000 | 3,498,000 |
| Noninterest income | 11,000 | 22,000 | 33,000 | 47,000 |
| Noninterest expense | 776,000 | 1,541,000 | 2,326,000 | 3,106,000 |
| Provision for loan losses | 15,000 | 42,000 | 64,000 | 96,000 |
| Pretax income | 61,000 | 150,000 | 235,000 | 348,000 |
| Income tax | 29,000 | 63,000 | 101,000 | 150,000 |
| Net income | 32,000 | 87,000 | 134,000 | 198,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 19,648,000 | 19,691,000 | 19,722,000 | 19,812,000 |
| Total capital | 20,343,000 | 20,413,000 | 20,466,000 | 20,588,000 |
| Risk-weighted assets | 75,846,000 | 74,851,000 | 80,259,000 | 81,060,000 |