Call reports 2014
HOME BANKING COMPANY — 2014
What HOME BANKING COMPANY reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 90,154,000 | 86,108,000 | 84,687,000 | 91,116,000 |
| Total loans | 35,632,000 | 37,345,000 | 37,286,000 | 37,980,000 |
| Allowance for loan losses | 439,000 | 410,000 | 391,000 | 386,000 |
| Securities available for sale | 29,463,000 | 30,131,000 | 31,042,000 | 29,208,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 81,564,000 | 77,067,000 | 75,299,000 | 81,425,000 |
| Interest-bearing deposits | 64,118,000 | 59,227,000 | 58,200,000 | 61,851,000 |
| Noninterest-bearing deposits | 17,446,000 | 17,840,000 | 17,099,000 | 19,574,000 |
| Equity capital | 7,681,000 | 8,080,000 | 8,318,000 | 8,626,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 793,000 | 1,635,000 | 2,492,000 | 3,359,000 |
| Interest expense | 77,000 | 145,000 | 214,000 | 283,000 |
| Net interest income | 716,000 | 1,490,000 | 2,278,000 | 3,076,000 |
| Noninterest income | 122,000 | 217,000 | 328,000 | 419,000 |
| Noninterest expense | 708,000 | 1,377,000 | 2,082,000 | 2,833,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 140,000 | 340,000 | 534,000 | 672,000 |
| Income tax | 35,000 | 95,000 | 152,000 | 188,000 |
| Net income | 105,000 | 245,000 | 382,000 | 484,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,702,000 | 7,822,000 | 7,960,000 | 8,038,000 |
| Total capital | 8,141,000 | 8,232,000 | 8,351,000 | 8,424,000 |
| Risk-weighted assets | 46,817,000 | 45,697,000 | 47,181,000 | 49,471,000 |