Call reports 2012
HOME BANKING COMPANY — 2012
What HOME BANKING COMPANY reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 79,137,000 | 78,262,000 | 73,759,000 | 78,643,000 |
| Total loans | 30,846,000 | 31,175,000 | 31,992,000 | 32,539,000 |
| Allowance for loan losses | 511,000 | 510,000 | 487,000 | 483,000 |
| Securities available for sale | 29,550,000 | 26,038,000 | 24,817,000 | 21,958,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 70,835,000 | 69,718,000 | 64,989,000 | 69,832,000 |
| Interest-bearing deposits | 58,046,000 | 56,551,000 | 52,998,000 | 55,692,000 |
| Noninterest-bearing deposits | 12,789,000 | 13,167,000 | 11,991,000 | 14,140,000 |
| Equity capital | 7,511,000 | 7,744,000 | 7,930,000 | 7,972,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 787,000 | 1,540,000 | 2,281,000 | 3,028,000 |
| Interest expense | 128,000 | 240,000 | 346,000 | 445,000 |
| Net interest income | 659,000 | 1,300,000 | 1,935,000 | 2,583,000 |
| Noninterest income | 93,000 | 172,000 | 262,000 | 369,000 |
| Noninterest expense | 686,000 | 1,341,000 | 2,072,000 | 2,787,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 120,000 | 188,000 | 182,000 | 223,000 |
| Income tax | 27,000 | 35,000 | 15,000 | 26,000 |
| Net income | 93,000 | 153,000 | 167,000 | 197,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,236,000 | 7,295,000 | 7,310,000 | 7,338,000 |
| Total capital | 7,747,000 | 7,805,000 | 7,797,000 | 7,821,000 |
| Risk-weighted assets | 42,603,000 | 42,318,000 | 42,636,000 | 43,556,000 |