Call reports 2008
HOME EXCHANGE BANK — 2008
What HOME EXCHANGE 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 | 75,884,000 | 78,567,000 | 84,325,000 | 86,499,000 |
| Total loans | 39,959,000 | 40,754,000 | 44,082,000 | 45,465,000 |
| Allowance for loan losses | 1,298,000 | 1,298,000 | 1,298,000 | 1,552,000 |
| Securities available for sale | 32,134,000 | 35,197,000 | 37,550,000 | 38,447,000 |
| Securities held to maturity | 142,000 | 139,000 | 137,000 | 135,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 62,904,000 | 61,851,000 | 58,442,000 | 57,396,000 |
| Interest-bearing deposits | 51,615,000 | 50,695,000 | 48,977,000 | 46,913,000 |
| Noninterest-bearing deposits | 11,289,000 | 11,156,000 | 9,465,000 | 10,483,000 |
| Equity capital | 9,896,000 | 9,226,000 | 9,713,000 | 10,419,000 |
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 | 1,177,000 | 2,329,000 | 3,525,000 | 4,714,000 |
| Interest expense | 526,000 | 999,000 | 1,450,000 | 1,876,000 |
| Net interest income | 651,000 | 1,330,000 | 2,075,000 | 2,838,000 |
| Noninterest income | 85,000 | 156,000 | 231,000 | 306,000 |
| Noninterest expense | 326,000 | 664,000 | 994,000 | 1,356,000 |
| Provision for loan losses | 0 | 0 | 0 | 244,000 |
| Pretax income | 424,000 | 913,000 | 1,445,000 | 1,677,000 |
| Income tax | 6,000 | 16,000 | 25,000 | 35,000 |
| Net income | 418,000 | 897,000 | 1,420,000 | 1,642,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,275,000 | 8,606,000 | 8,754,000 | 8,791,000 |
| Total capital | 8,856,000 | 9,206,000 | 9,399,000 | 9,450,000 |
| Risk-weighted assets | 45,737,000 | 47,331,000 | 50,983,000 | 51,833,000 |
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