Call reports 2005
HNB NATIONAL BANK — 2005
What HNB NATIONAL BANK reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 147,004,000 | 154,619,000 | 151,260,000 | 151,138,000 |
| Total loans | 96,672,000 | 105,243,000 | 103,498,000 | 103,891,000 |
| Allowance for loan losses | 956,000 | 979,000 | 968,000 | 1,049,000 |
| Securities available for sale | 28,134,000 | 24,246,000 | 22,114,000 | 23,349,000 |
| Securities held to maturity | 6,886,000 | 6,475,000 | 6,416,000 | 6,004,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 116,065,000 | 121,946,000 | 120,500,000 | 122,507,000 |
| Interest-bearing deposits | 99,889,000 | 101,434,000 | 99,783,000 | 104,329,000 |
| Noninterest-bearing deposits | 16,176,000 | 20,512,000 | 20,717,000 | 18,178,000 |
| Equity capital | 15,209,000 | 15,708,000 | 15,841,000 | 15,928,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 1,740,000 | 3,645,000 | 5,614,000 | 7,639,000 |
| Interest expense | 550,000 | 1,162,000 | 1,831,000 | 2,554,000 |
| Net interest income | 1,190,000 | 2,483,000 | 3,783,000 | 5,085,000 |
| Noninterest income | 374,000 | 790,000 | 1,231,000 | 1,650,000 |
| Noninterest expense | 1,180,000 | 2,389,000 | 3,577,000 | 4,783,000 |
| Provision for loan losses | 74,000 | 104,000 | 107,000 | 207,000 |
| Pretax income | 310,000 | 779,000 | 1,329,000 | 1,744,000 |
| Income tax | 61,000 | 178,000 | 347,000 | 462,000 |
| Net income | 249,000 | 601,000 | 982,000 | 1,282,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 15,355,000 | 15,707,000 | 15,952,000 | 16,116,000 |
| Total capital | 16,311,000 | 16,686,000 | 16,920,000 | 17,165,000 |
| Risk-weighted assets | 98,664,000 | 107,147,000 | 105,580,000 | 107,506,000 |