Call reports 2013
HOME BANKING COMPANY — 2013
What HOME BANKING COMPANY reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 81,934,000 | 82,280,000 | 81,679,000 | 86,325,000 |
| Total loans | 33,579,000 | 34,025,000 | 33,665,000 | 34,635,000 |
| Allowance for loan losses | 476,000 | 476,000 | 457,000 | 438,000 |
| Securities available for sale | 25,846,000 | 26,922,000 | 27,460,000 | 28,737,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 73,139,000 | 73,907,000 | 73,382,000 | 78,068,000 |
| Interest-bearing deposits | 60,207,000 | 60,155,000 | 58,660,000 | 59,491,000 |
| Noninterest-bearing deposits | 12,932,000 | 13,752,000 | 14,722,000 | 18,577,000 |
| Equity capital | 7,919,000 | 7,477,000 | 7,407,000 | 7,361,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 725,000 | 1,490,000 | 2,282,000 | 3,082,000 |
| Interest expense | 95,000 | 194,000 | 285,000 | 371,000 |
| Net interest income | 630,000 | 1,296,000 | 1,997,000 | 2,711,000 |
| Noninterest income | 111,000 | 223,000 | 339,000 | 448,000 |
| Noninterest expense | 754,000 | 1,385,000 | 2,106,000 | 2,834,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | -13,000 | 155,000 | 271,000 | 366,000 |
| Income tax | -26,000 | 25,000 | 53,000 | 70,000 |
| Net income | 13,000 | 130,000 | 218,000 | 296,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,320,000 | 7,432,000 | 7,519,000 | 7,596,000 |
| Total capital | 7,796,000 | 7,908,000 | 7,976,000 | 8,034,000 |
| Risk-weighted assets | 45,297,000 | 44,011,000 | 43,830,000 | 44,570,000 |