Call reports 2006
HOME EXCHANGE BANK — 2006
What HOME EXCHANGE 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 | 75,273,000 | 75,881,000 | 77,073,000 | 71,718,000 |
| Total loans | 39,753,000 | 40,690,000 | 40,950,000 | 39,020,000 |
| Allowance for loan losses | 1,161,000 | 1,189,000 | 1,219,000 | 1,277,000 |
| Securities available for sale | 32,699,000 | 32,257,000 | 33,152,000 | 30,398,000 |
| Securities held to maturity | 158,000 | 156,000 | 154,000 | 152,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 55,487,000 | 53,700,000 | 53,937,000 | 56,570,000 |
| Interest-bearing deposits | 46,695,000 | 45,405,000 | 44,973,000 | 46,080,000 |
| Noninterest-bearing deposits | 8,792,000 | 8,295,000 | 8,964,000 | 10,490,000 |
| Equity capital | 7,145,000 | 7,183,000 | 7,924,000 | 8,163,000 |
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 | 1,049,000 | 2,182,000 | 3,366,000 | 4,487,000 |
| Interest expense | 424,000 | 934,000 | 1,505,000 | 1,996,000 |
| Net interest income | 625,000 | 1,248,000 | 1,861,000 | 2,491,000 |
| Noninterest income | 79,000 | 170,000 | 247,000 | 351,000 |
| Noninterest expense | 377,000 | 757,000 | 1,098,000 | 1,442,000 |
| Provision for loan losses | 30,000 | 60,000 | 90,000 | 120,000 |
| Pretax income | 5,000 | 309,000 | 628,000 | 882,000 |
| Income tax | 372,000 | 372,000 | 384,000 | 396,000 |
| Net income | -367,000 | -63,000 | 244,000 | 486,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,363,000 | 7,682,000 | 7,901,000 | 8,022,000 |
| Total capital | 7,940,000 | 8,276,000 | 8,488,000 | 8,583,000 |
| Risk-weighted assets | 45,596,000 | 46,962,000 | 46,301,000 | 44,187,000 |
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