Call reports 2003
HNB NATIONAL BANK — 2003
What HNB NATIONAL BANK reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 128,679,000 | 133,076,000 | 129,360,000 | 131,356,000 |
| Total loans | 83,070,000 | 85,011,000 | 84,093,000 | 86,053,000 |
| Allowance for loan losses | 803,000 | 831,000 | 805,000 | 855,000 |
| Securities available for sale | 20,038,000 | 27,200,000 | 25,945,000 | 22,769,000 |
| Securities held to maturity | 11,726,000 | 10,622,000 | 10,270,000 | 9,424,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 103,022,000 | 105,747,000 | 103,135,000 | 105,001,000 |
| Interest-bearing deposits | 91,770,000 | 93,289,000 | 91,397,000 | 91,703,000 |
| Noninterest-bearing deposits | 11,252,000 | 12,459,000 | 11,738,000 | 13,298,000 |
| Equity capital | 13,933,000 | 14,129,000 | 14,263,000 | 14,396,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 1,754,000 | 3,478,000 | 5,156,000 | 6,770,000 |
| Interest expense | 601,000 | 1,161,000 | 1,685,000 | 2,187,000 |
| Net interest income | 1,153,000 | 2,317,000 | 3,471,000 | 4,583,000 |
| Noninterest income | 352,000 | 743,000 | 1,263,000 | 1,586,000 |
| Noninterest expense | 1,048,000 | 2,117,000 | 3,110,000 | 4,090,000 |
| Provision for loan losses | 64,000 | 103,000 | 153,000 | 214,000 |
| Pretax income | 393,000 | 914,000 | 1,545,000 | 2,001,000 |
| Income tax | 85,000 | 214,000 | 371,000 | 481,000 |
| Net income | 308,000 | 700,000 | 1,174,000 | 1,520,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 13,567,000 | 13,707,000 | 14,049,000 | 14,249,000 |
| Total capital | 14,370,000 | 14,538,000 | 14,854,000 | 15,104,000 |
| Risk-weighted assets | 81,816,000 | 84,676,000 | 82,806,000 | 85,619,000 |