Call reports 2008
HNB NATIONAL BANK — 2008
What HNB NATIONAL BANK reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 178,585,000 | 181,611,000 | 353,408,000 | 355,706,000 |
| Total loans | 114,087,000 | 127,736,000 | 268,397,000 | 272,397,000 |
| Allowance for loan losses | 1,090,000 | 1,158,000 | 2,710,000 | 2,653,000 |
| Securities available for sale | 18,477,000 | 14,577,000 | 31,888,000 | 29,189,000 |
| Securities held to maturity | 3,892,000 | 3,517,000 | 3,720,000 | 3,288,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 130,336,000 | 130,508,000 | 274,603,000 | 289,325,000 |
| Interest-bearing deposits | 111,918,000 | 110,684,000 | 240,245,000 | 254,931,000 |
| Noninterest-bearing deposits | 18,418,000 | 19,824,000 | 34,358,000 | 34,394,000 |
| Equity capital | 27,543,000 | 26,778,000 | 42,025,000 | 43,274,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 2,545,000 | 5,073,000 | 15,393,000 | 20,413,000 |
| Interest expense | 1,077,000 | 2,008,000 | 6,206,000 | 8,122,000 |
| Net interest income | 1,468,000 | 3,065,000 | 9,187,000 | 12,291,000 |
| Noninterest income | 486,000 | 949,000 | 2,241,000 | 2,985,000 |
| Noninterest expense | 1,500,000 | 2,920,000 | 7,684,000 | 10,507,000 |
| Provision for loan losses | 90,000 | 140,000 | 367,000 | 417,000 |
| Pretax income | 363,000 | 953,000 | 3,376,000 | 4,352,000 |
| Income tax | 83,000 | 258,000 | 1,033,000 | 977,000 |
| Net income | 280,000 | 695,000 | 2,343,000 | 3,375,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,085,000 | 11,587,000 | 25,416,000 | 25,883,000 |
| Total capital | 13,243,000 | 12,812,000 | 28,238,000 | 28,701,000 |
| Risk-weighted assets | 115,226,000 | 125,402,000 | 272,064,000 | 276,838,000 |