Call reports 2019
HOME EXCHANGE BANK — 2019
What HOME EXCHANGE BANK reported to the FFIEC in 2019, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Total assets | 167,399,000 | 161,746,000 | 173,332,000 | 170,435,000 |
| Total loans | 72,456,000 | 71,769,000 | 72,336,000 | 73,861,000 |
| Allowance for loan losses | 4,625,000 | 4,671,000 | 4,716,000 | 4,761,000 |
| Securities available for sale | 84,737,000 | 81,595,000 | 91,371,000 | 80,998,000 |
| Securities held to maturity | 440,000 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 107,319,000 | 122,883,000 | 151,935,000 | 148,837,000 |
| Interest-bearing deposits | 86,169,000 | 102,226,000 | 130,013,000 | 125,716,000 |
| Noninterest-bearing deposits | 21,150,000 | 20,657,000 | 21,922,000 | 23,121,000 |
| Equity capital | 18,394,000 | 19,288,000 | 18,578,000 | 19,079,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Interest income | 1,614,000 | 3,253,000 | 4,914,000 | 6,517,000 |
| Interest expense | 578,000 | 1,174,000 | 1,745,000 | 2,278,000 |
| Net interest income | 1,036,000 | 2,079,000 | 3,169,000 | 4,239,000 |
| Noninterest income | 98,000 | 229,000 | 325,000 | 419,000 |
| Noninterest expense | 508,000 | 1,078,000 | 1,587,000 | 2,141,000 |
| Provision for loan losses | 45,000 | 90,000 | 135,000 | 181,000 |
| Pretax income | 581,000 | 1,159,000 | 1,755,000 | 2,320,000 |
| Income tax | 3,000 | 7,000 | 10,000 | 13,000 |
| Net income | 578,000 | 1,152,000 | 1,745,000 | 2,307,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Tier 1 capital | 18,822,000 | 19,397,000 | 18,421,000 | 18,982,000 |
| Total capital | 20,039,000 | 20,554,000 | 19,600,000 | 20,152,000 |
| Risk-weighted assets | 93,958,000 | 89,088,000 | 90,829,000 | 90,012,000 |