Call reports 2016
HOME EXCHANGE BANK — 2016
What HOME EXCHANGE BANK reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 141,936,000 | 150,629,000 | 157,753,000 | 158,215,000 |
| Total loans | 58,678,000 | 61,085,000 | 62,445,000 | 65,185,000 |
| Allowance for loan losses | 3,870,000 | 3,967,000 | 4,015,000 | 4,113,000 |
| Securities available for sale | 82,634,000 | 88,601,000 | 93,118,000 | 90,138,000 |
| Securities held to maturity | 52,000 | 48,000 | 484,000 | 481,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 94,511,000 | 95,257,000 | 98,003,000 | 103,023,000 |
| Interest-bearing deposits | 74,689,000 | 75,337,000 | 79,676,000 | 83,490,000 |
| Noninterest-bearing deposits | 19,822,000 | 19,920,000 | 18,327,000 | 19,533,000 |
| Equity capital | 16,655,000 | 17,237,000 | 17,431,000 | 14,996,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 1,311,000 | 2,633,000 | 4,039,000 | 5,431,000 |
| Interest expense | 158,000 | 317,000 | 500,000 | 699,000 |
| Net interest income | 1,153,000 | 2,316,000 | 3,539,000 | 4,732,000 |
| Noninterest income | 51,000 | 122,000 | 182,000 | 236,000 |
| Noninterest expense | 407,000 | 861,000 | 1,296,000 | 1,787,000 |
| Provision for loan losses | 45,000 | 90,000 | 135,000 | 180,000 |
| Pretax income | 890,000 | 1,741,000 | 2,549,000 | 3,252,000 |
| Income tax | 3,000 | 7,000 | 10,000 | 13,000 |
| Net income | 887,000 | 1,734,000 | 2,539,000 | 3,239,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 15,122,000 | 15,278,000 | 15,742,000 | 16,241,000 |
| Total capital | 16,102,000 | 16,293,000 | 16,779,000 | 17,321,000 |
| Risk-weighted assets | 75,574,000 | 78,319,000 | 79,988,000 | 83,431,000 |