Call reports 2014
HOME EXCHANGE BANK — 2014
What HOME EXCHANGE BANK reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 115,553,000 | 122,484,000 | 125,057,000 | 131,598,000 |
| Total loans | 45,261,000 | 47,242,000 | 49,308,000 | 53,285,000 |
| Allowance for loan losses | 2,980,000 | 3,025,000 | 3,070,000 | 3,159,000 |
| Securities available for sale | 68,783,000 | 74,037,000 | 75,104,000 | 77,578,000 |
| Securities held to maturity | 79,000 | 75,000 | 72,000 | 69,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 93,143,000 | 91,588,000 | 93,098,000 | 94,654,000 |
| Interest-bearing deposits | 73,787,000 | 73,933,000 | 76,558,000 | 75,796,000 |
| Noninterest-bearing deposits | 19,356,000 | 17,655,000 | 16,540,000 | 18,858,000 |
| Equity capital | 13,059,000 | 13,413,000 | 13,446,000 | 14,636,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 1,053,000 | 2,148,000 | 3,277,000 | 4,455,000 |
| Interest expense | 160,000 | 311,000 | 460,000 | 615,000 |
| Net interest income | 893,000 | 1,837,000 | 2,817,000 | 3,840,000 |
| Noninterest income | 51,000 | 130,000 | 194,000 | 250,000 |
| Noninterest expense | 439,000 | 798,000 | 1,215,000 | 1,694,000 |
| Provision for loan losses | 45,000 | 90,000 | 135,000 | 180,000 |
| Pretax income | 430,000 | 1,068,000 | 1,610,000 | 2,165,000 |
| Income tax | 3,000 | 7,000 | 10,000 | 13,000 |
| Net income | 427,000 | 1,061,000 | 1,600,000 | 2,152,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,018,000 | 12,238,000 | 12,548,000 | 13,157,000 |
| Total capital | 12,747,000 | 13,004,000 | 13,352,000 | 14,018,000 |
| Risk-weighted assets | 56,105,000 | 59,269,000 | 62,063,000 | 66,619,000 |
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