Call reports 2013
HOME EXCHANGE BANK — 2013
What HOME EXCHANGE BANK reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 102,316,000 | 104,351,000 | 108,851,000 | 117,314,000 |
| Total loans | 42,896,000 | 44,461,000 | 47,061,000 | 49,378,000 |
| Allowance for loan losses | 2,791,000 | 2,836,000 | 2,881,000 | 2,936,000 |
| Securities available for sale | 57,835,000 | 59,305,000 | 60,276,000 | 66,962,000 |
| Securities held to maturity | 91,000 | 88,000 | 85,000 | 82,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 79,497,000 | 74,530,000 | 72,165,000 | 89,029,000 |
| Interest-bearing deposits | 60,663,000 | 58,597,000 | 56,051,000 | 72,042,000 |
| Noninterest-bearing deposits | 18,834,000 | 15,933,000 | 16,114,000 | 16,987,000 |
| Equity capital | 13,675,000 | 11,790,000 | 12,109,000 | 12,005,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 994,000 | 1,932,000 | 2,920,000 | 4,024,000 |
| Interest expense | 211,000 | 411,000 | 605,000 | 789,000 |
| Net interest income | 783,000 | 1,521,000 | 2,315,000 | 3,235,000 |
| Noninterest income | 58,000 | 123,000 | 205,000 | 268,000 |
| Noninterest expense | 431,000 | 805,000 | 1,205,000 | 1,663,000 |
| Provision for loan losses | 75,000 | 120,000 | 165,000 | 210,000 |
| Pretax income | 335,000 | 717,000 | 1,061,000 | 1,416,000 |
| Income tax | 1,000 | 4,000 | 7,000 | 11,000 |
| Net income | 334,000 | 713,000 | 1,054,000 | 1,405,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,165,000 | 11,159,000 | 11,368,000 | 11,733,000 |
| Total capital | 11,839,000 | 11,858,000 | 12,103,000 | 12,512,000 |
| Risk-weighted assets | 51,784,000 | 53,770,000 | 56,685,000 | 60,145,000 |
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