Call reports 2008
NORTHERN HANCOCK BANK & TRUST CO. — 2008
What NORTHERN HANCOCK BANK & TRUST CO. 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 | 28,070,000 | 27,550,000 | 28,880,000 | 29,925,000 |
| Total loans | 22,078,000 | 22,621,000 | 23,031,000 | 22,666,000 |
| Allowance for loan losses | 349,000 | 343,000 | 291,000 | 315,000 |
| Securities available for sale | 2,286,000 | 2,163,000 | 2,063,000 | 2,599,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 21,967,000 | 21,436,000 | 22,248,000 | 23,199,000 |
| Interest-bearing deposits | 18,916,000 | 18,204,000 | 19,084,000 | 19,602,000 |
| Noninterest-bearing deposits | 3,051,000 | 3,232,000 | 3,164,000 | 3,597,000 |
| Equity capital | 2,977,000 | 3,005,000 | 3,027,000 | 3,110,000 |
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 | 594,000 | 1,195,000 | 1,825,000 | 2,444,000 |
| Interest expense | 204,000 | 394,000 | 565,000 | 738,000 |
| Net interest income | 390,000 | 801,000 | 1,260,000 | 1,706,000 |
| Noninterest income | 31,000 | 74,000 | 122,000 | 180,000 |
| Noninterest expense | 347,000 | 671,000 | 1,043,000 | 1,385,000 |
| Provision for loan losses | 0 | 28,000 | 52,000 | 112,000 |
| Pretax income | 74,000 | 176,000 | 287,000 | 389,000 |
| Income tax | 3,000 | 6,000 | 9,000 | 12,000 |
| Net income | 71,000 | 170,000 | 278,000 | 377,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,960,000 | 2,987,000 | 3,018,000 | 3,033,000 |
| Total capital | 3,216,000 | 3,247,000 | 3,288,000 | 3,300,000 |
| Risk-weighted assets | 20,390,000 | 20,726,000 | 21,541,000 | 21,318,000 |