Call reports 2015
HOME EXCHANGE BANK — 2015
What HOME EXCHANGE BANK reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 138,590,000 | 138,081,000 | 131,560,000 | 138,539,000 |
| Total loans | 52,979,000 | 56,311,000 | 58,755,000 | 60,545,000 |
| Allowance for loan losses | 3,207,000 | 3,676,000 | 3,724,000 | 3,823,000 |
| Securities available for sale | 84,743,000 | 81,329,000 | 72,364,000 | 77,073,000 |
| Securities held to maturity | 65,000 | 62,000 | 59,000 | 55,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 97,834,000 | 94,777,000 | 94,998,000 | 93,622,000 |
| Interest-bearing deposits | 77,748,000 | 70,725,000 | 76,614,000 | 74,320,000 |
| Noninterest-bearing deposits | 20,086,000 | 24,052,000 | 18,384,000 | 19,302,000 |
| Equity capital | 15,485,000 | 15,225,000 | 16,117,000 | 15,414,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 1,206,000 | 2,806,000 | 4,099,000 | 5,384,000 |
| Interest expense | 152,000 | 310,000 | 463,000 | 614,000 |
| Net interest income | 1,054,000 | 2,496,000 | 3,636,000 | 4,770,000 |
| Noninterest income | 56,000 | 250,000 | 304,000 | 357,000 |
| Noninterest expense | 396,000 | 802,000 | 1,244,000 | 1,668,000 |
| Provision for loan losses | 45,000 | 90,000 | 135,000 | 180,000 |
| Pretax income | 670,000 | 1,854,000 | 2,681,000 | 3,399,000 |
| Income tax | 3,000 | 7,000 | 10,000 | 13,000 |
| Net income | 667,000 | 1,847,000 | 2,671,000 | 3,386,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 13,577,000 | 14,015,000 | 14,379,000 | 14,595,000 |
| Total capital | 14,462,000 | 14,946,000 | 15,313,000 | 15,576,000 |
| Risk-weighted assets | 68,486,000 | 71,770,000 | 71,960,000 | 75,713,000 |