Call reports 2006
HNB NATIONAL BANK — 2006
What HNB NATIONAL BANK reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 157,168,000 | 161,666,000 | 159,914,000 | 161,426,000 |
| Total loans | 106,785,000 | 110,425,000 | 112,162,000 | 114,961,000 |
| Allowance for loan losses | 1,027,000 | 1,039,000 | 1,076,000 | 1,150,000 |
| Securities available for sale | 26,701,000 | 26,115,000 | 24,702,000 | 24,849,000 |
| Securities held to maturity | 5,193,000 | 4,938,000 | 4,928,000 | 4,691,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 128,498,000 | 133,336,000 | 130,651,000 | 132,433,000 |
| Interest-bearing deposits | 110,188,000 | 111,424,000 | 113,198,000 | 112,487,000 |
| Noninterest-bearing deposits | 18,309,000 | 21,912,000 | 17,453,000 | 19,946,000 |
| Equity capital | 16,031,000 | 16,176,000 | 16,590,000 | 16,853,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 2,057,000 | 4,324,000 | 6,663,000 | 9,111,000 |
| Interest expense | 787,000 | 1,679,000 | 2,680,000 | 3,753,000 |
| Net interest income | 1,270,000 | 2,645,000 | 3,983,000 | 5,358,000 |
| Noninterest income | 382,000 | 847,000 | 1,308,000 | 1,864,000 |
| Noninterest expense | 1,288,000 | 2,566,000 | 3,855,000 | 5,045,000 |
| Provision for loan losses | 0 | 16,000 | 61,000 | 147,000 |
| Pretax income | 364,000 | 910,000 | 1,375,000 | 2,030,000 |
| Income tax | 98,000 | 208,000 | 334,000 | 511,000 |
| Net income | 266,000 | 702,000 | 1,041,000 | 1,519,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 16,246,000 | 16,512,000 | 16,669,000 | 16,945,000 |
| Total capital | 17,273,000 | 17,551,000 | 17,745,000 | 18,095,000 |
| Risk-weighted assets | 111,254,000 | 114,511,000 | 114,296,000 | 116,485,000 |