Call reports 2007
HOME EXCHANGE BANK — 2007
What HOME EXCHANGE 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 | 69,105,000 | 72,241,000 | 73,689,000 | 76,179,000 |
| Total loans | 36,575,000 | 39,633,000 | 40,439,000 | 42,249,000 |
| Allowance for loan losses | 1,231,000 | 1,260,000 | 1,290,000 | 1,300,000 |
| Securities available for sale | 23,721,000 | 23,432,000 | 31,001,000 | 31,296,000 |
| Securities held to maturity | 150,000 | 148,000 | 146,000 | 144,000 |
| Trading assets | 6,776,000 | 6,760,000 | 0 | 0 |
| Total deposits | 57,714,000 | 56,268,000 | 56,986,000 | 58,030,000 |
| Interest-bearing deposits | 48,013,000 | 47,143,000 | 47,717,000 | 47,683,000 |
| Noninterest-bearing deposits | 9,701,000 | 9,125,000 | 9,269,000 | 10,347,000 |
| Equity capital | 8,091,000 | 7,379,000 | 8,290,000 | 8,869,000 |
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 | 1,072,000 | 2,175,000 | 3,320,000 | 4,525,000 |
| Interest expense | 453,000 | 962,000 | 1,506,000 | 2,054,000 |
| Net interest income | 619,000 | 1,213,000 | 1,814,000 | 2,471,000 |
| Noninterest income | 122,000 | 196,000 | 306,000 | 382,000 |
| Noninterest expense | 352,000 | 671,000 | 1,002,000 | 1,357,000 |
| Provision for loan losses | 30,000 | 60,000 | 90,000 | 90,000 |
| Pretax income | 360,000 | 679,000 | 1,029,000 | 1,376,000 |
| Income tax | 12,000 | 12,000 | 18,000 | 24,000 |
| Net income | 348,000 | 667,000 | 1,011,000 | 1,352,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,804,000 | 7,397,000 | 7,756,000 | 8,056,000 |
| Total capital | 8,344,000 | 7,977,000 | 8,340,000 | 8,661,000 |
| Risk-weighted assets | 42,526,000 | 45,754,000 | 46,043,000 | 47,743,000 |
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