Call reports 2012
HOME EXCHANGE BANK — 2012
What HOME EXCHANGE BANK reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 102,710,000 | 98,206,000 | 99,519,000 | 102,709,000 |
| Total loans | 42,920,000 | 42,387,000 | 46,188,000 | 49,276,000 |
| Allowance for loan losses | 2,599,000 | 2,643,000 | 2,688,000 | 2,745,000 |
| Securities available for sale | 57,417,000 | 55,222,000 | 52,516,000 | 51,413,000 |
| Securities held to maturity | 102,000 | 99,000 | 97,000 | 94,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 82,908,000 | 77,277,000 | 74,068,000 | 76,189,000 |
| Interest-bearing deposits | 67,131,000 | 62,325,000 | 58,590,000 | 58,054,000 |
| Noninterest-bearing deposits | 15,777,000 | 14,952,000 | 15,478,000 | 18,135,000 |
| Equity capital | 12,666,000 | 13,314,000 | 13,834,000 | 13,783,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 1,027,000 | 2,032,000 | 2,993,000 | 3,943,000 |
| Interest expense | 268,000 | 531,000 | 776,000 | 1,009,000 |
| Net interest income | 759,000 | 1,501,000 | 2,217,000 | 2,934,000 |
| Noninterest income | 61,000 | 144,000 | 208,000 | 265,000 |
| Noninterest expense | 422,000 | 856,000 | 1,306,000 | 1,769,000 |
| Provision for loan losses | 45,000 | 90,000 | 135,000 | 180,000 |
| Pretax income | 369,000 | 744,000 | 1,110,000 | 1,376,000 |
| Income tax | 6,000 | 6,000 | 6,000 | 6,000 |
| Net income | 363,000 | 738,000 | 1,104,000 | 1,370,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,096,000 | 10,448,000 | 10,706,000 | 10,986,000 |
| Total capital | 10,774,000 | 11,106,000 | 11,407,000 | 11,723,000 |
| Risk-weighted assets | 52,334,000 | 50,700,000 | 54,100,000 | 56,917,000 |