Call reports 2004
HNB NATIONAL BANK — 2004
What HNB NATIONAL BANK reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 132,496,000 | 137,962,000 | 140,037,000 | 143,589,000 |
| Total loans | 89,843,000 | 91,375,000 | 93,317,000 | 94,037,000 |
| Allowance for loan losses | 866,000 | 832,000 | 853,000 | 895,000 |
| Securities available for sale | 20,909,000 | 21,891,000 | 21,437,000 | 26,909,000 |
| Securities held to maturity | 9,066,000 | 8,749,000 | 8,495,000 | 8,020,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 104,206,000 | 110,946,000 | 113,146,000 | 116,541,000 |
| Interest-bearing deposits | 92,178,000 | 95,764,000 | 96,326,000 | 99,965,000 |
| Noninterest-bearing deposits | 12,028,000 | 15,182,000 | 16,820,000 | 16,576,000 |
| Equity capital | 14,766,000 | 14,674,000 | 15,087,000 | 15,140,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 1,622,000 | 3,239,000 | 4,955,000 | 6,688,000 |
| Interest expense | 495,000 | 988,000 | 1,487,000 | 1,991,000 |
| Net interest income | 1,127,000 | 2,251,000 | 3,468,000 | 4,697,000 |
| Noninterest income | 389,000 | 800,000 | 1,178,000 | 1,522,000 |
| Noninterest expense | 1,109,000 | 2,269,000 | 3,361,000 | 4,480,000 |
| Provision for loan losses | 20,000 | 56,000 | 89,000 | 135,000 |
| Pretax income | 387,000 | 726,000 | 1,196,000 | 1,604,000 |
| Income tax | 126,000 | 184,000 | 271,000 | 384,000 |
| Net income | 261,000 | 542,000 | 925,000 | 1,220,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 14,510,000 | 14,712,000 | 14,960,000 | 15,105,000 |
| Total capital | 15,376,000 | 15,544,000 | 15,813,000 | 16,000,000 |
| Risk-weighted assets | 90,181,000 | 93,497,000 | 90,082,000 | 95,889,000 |