Call reports 2009
HOME EXCHANGE BANK — 2009
What HOME EXCHANGE BANK reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 91,534,000 | 87,695,000 | 93,278,000 | 93,905,000 |
| Total loans | 43,595,000 | 43,321,000 | 46,325,000 | 44,977,000 |
| Allowance for loan losses | 1,575,000 | 1,521,000 | 1,566,000 | 1,856,000 |
| Securities available for sale | 45,180,000 | 41,204,000 | 43,378,000 | 46,036,000 |
| Securities held to maturity | 133,000 | 130,000 | 128,000 | 126,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 66,083,000 | 65,399,000 | 68,374,000 | 68,943,000 |
| Interest-bearing deposits | 55,119,000 | 54,478,000 | 57,647,000 | 57,737,000 |
| Noninterest-bearing deposits | 10,964,000 | 10,921,000 | 10,727,000 | 11,206,000 |
| Equity capital | 10,202,000 | 10,052,000 | 10,481,000 | 8,205,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 1,184,000 | 2,403,000 | 3,586,000 | 4,754,000 |
| Interest expense | 400,000 | 796,000 | 1,173,000 | 1,534,000 |
| Net interest income | 784,000 | 1,607,000 | 2,413,000 | 3,220,000 |
| Noninterest income | 56,000 | 128,000 | 194,000 | 255,000 |
| Noninterest expense | 373,000 | 758,000 | 1,112,000 | 1,661,000 |
| Provision for loan losses | 35,000 | 80,000 | 125,000 | 2,172,000 |
| Pretax income | 432,000 | 923,000 | 1,473,000 | -205,000 |
| Income tax | 10,000 | 22,000 | 33,000 | 46,000 |
| Net income | 422,000 | 901,000 | 1,440,000 | -251,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,850,000 | 8,968,000 | 9,337,000 | 7,660,000 |
| Total capital | 9,503,000 | 9,614,000 | 10,028,000 | 8,347,000 |
| Risk-weighted assets | 51,284,000 | 50,792,000 | 54,431,000 | 53,786,000 |
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