Call reports 2020
HOME EXCHANGE BANK — 2020
What HOME EXCHANGE BANK reported to the FFIEC in 2020, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Total assets | 173,071,000 | 171,680,000 | 177,508,000 | 165,720,000 |
| Total loans | 72,578,000 | 69,985,000 | 67,867,000 | 65,297,000 |
| Allowance for loan losses | 4,806,000 | 4,851,000 | 4,896,000 | 4,941,000 |
| Securities available for sale | 90,128,000 | 87,667,000 | 85,544,000 | 82,199,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 138,698,000 | 133,342,000 | 140,925,000 | 144,731,000 |
| Interest-bearing deposits | 113,297,000 | 104,610,000 | 110,645,000 | 111,570,000 |
| Noninterest-bearing deposits | 25,401,000 | 28,732,000 | 30,280,000 | 33,161,000 |
| Equity capital | 20,225,000 | 20,780,000 | 20,818,000 | 19,786,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Interest income | 1,409,000 | 2,793,000 | 4,090,000 | 5,317,000 |
| Interest expense | 438,000 | 745,000 | 917,000 | 1,065,000 |
| Net interest income | 971,000 | 2,048,000 | 3,173,000 | 4,252,000 |
| Noninterest income | 96,000 | 230,000 | 327,000 | 471,000 |
| Noninterest expense | 514,000 | 1,079,000 | 1,636,000 | 2,152,000 |
| Provision for loan losses | 45,000 | 90,000 | 135,000 | 180,000 |
| Pretax income | 513,000 | 1,109,000 | 1,744,000 | 2,395,000 |
| Income tax | 3,000 | 6,000 | 10,000 | 7,000 |
| Net income | 510,000 | 1,103,000 | 1,734,000 | 2,388,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Tier 1 capital | 19,298,000 | 19,682,000 | 20,002,000 | 19,076,000 |