Call reports 2002
HNB NATIONAL BANK — 2002
What HNB NATIONAL BANK reported to the FFIEC in 2002, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Total assets | 127,166,000 | 128,121,000 | 126,686,000 | 130,706,000 |
| Total loans | 80,048,000 | 80,374,000 | 82,939,000 | 84,156,000 |
| Allowance for loan losses | 750,000 | 722,000 | 753,000 | 766,000 |
| Securities available for sale | 23,297,000 | 22,825,000 | 21,324,000 | 21,515,000 |
| Securities held to maturity | 11,637,000 | 11,968,000 | 11,941,000 | 12,195,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 102,681,000 | 103,120,000 | 101,243,000 | 105,436,000 |
| Interest-bearing deposits | 92,685,000 | 90,497,000 | 90,466,000 | 92,467,000 |
| Noninterest-bearing deposits | 9,996,000 | 12,623,000 | 10,777,000 | 12,969,000 |
| Equity capital | 12,725,000 | 13,185,000 | 13,650,000 | 13,678,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Interest income | 1,863,000 | 3,711,000 | 5,567,000 | 7,409,000 |
| Interest expense | 788,000 | 1,483,000 | 2,154,000 | 2,797,000 |
| Net interest income | 1,075,000 | 2,228,000 | 3,413,000 | 4,612,000 |
| Noninterest income | 268,000 | 611,000 | 967,000 | 1,272,000 |
| Noninterest expense | 948,000 | 1,852,000 | 2,723,000 | 3,648,000 |
| Provision for loan losses | 65,000 | 76,000 | 139,000 | 160,000 |
| Pretax income | 379,000 | 1,038,000 | 1,645,000 | 2,203,000 |
| Income tax | 83,000 | 258,000 | 438,000 | 615,000 |
| Net income | 296,000 | 780,000 | 1,207,000 | 1,588,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,582,000 | 12,842,000 | 13,205,000 | 13,259,000 |
| Total capital | 13,332,000 | 13,564,000 | 13,958,000 | 14,025,000 |
| Risk-weighted assets | 72,583,000 | 75,162,000 | 76,557,000 | 77,113,000 |