Call reports 2007
HNB NATIONAL BANK — 2007
What HNB NATIONAL BANK reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 164,912,000 | 169,170,000 | 185,799,000 | 178,074,000 |
| Total loans | 113,307,000 | 114,972,000 | 117,782,000 | 118,912,000 |
| Allowance for loan losses | 1,233,000 | 1,345,000 | 1,410,000 | 997,000 |
| Securities available for sale | 28,322,000 | 30,308,000 | 25,662,000 | 21,649,000 |
| Securities held to maturity | 4,568,000 | 4,505,000 | 4,497,000 | 4,401,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 134,083,000 | 135,456,000 | 141,862,000 | 129,659,000 |
| Interest-bearing deposits | 114,525,000 | 116,589,000 | 124,008,000 | 113,394,000 |
| Noninterest-bearing deposits | 19,558,000 | 18,866,000 | 17,854,000 | 16,265,000 |
| Equity capital | 16,805,000 | 16,823,000 | 31,125,000 | 27,739,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 2,396,000 | 4,886,000 | 658,000 | 3,401,000 |
| Interest expense | 1,132,000 | 2,307,000 | 380,000 | 1,511,000 |
| Net interest income | 1,264,000 | 2,579,000 | 278,000 | 1,890,000 |
| Noninterest income | 429,000 | 899,000 | 139,000 | 568,000 |
| Noninterest expense | 1,273,000 | 2,485,000 | 438,000 | 1,748,000 |
| Provision for loan losses | 164,000 | 358,000 | 0 | 0 |
| Pretax income | 256,000 | 635,000 | -21,000 | 710,000 |
| Income tax | 63,000 | 151,000 | -27,000 | 192,000 |
| Net income | 193,000 | 484,000 | 6,000 | 518,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 16,881,000 | 17,015,000 | 15,802,000 | 12,063,000 |
| Total capital | 18,166,000 | 18,426,000 | 17,283,000 | 13,127,000 |
| Risk-weighted assets | 115,002,000 | 119,473,000 | 120,467,000 | 120,103,000 |