Call reports 2015
HOME BANKING COMPANY — 2015
What HOME BANKING COMPANY reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 93,424,000 | 88,429,000 | 86,492,000 | 90,927,000 |
| Total loans | 37,080,000 | 35,733,000 | 35,160,000 | 35,726,000 |
| Allowance for loan losses | 371,000 | 371,000 | 369,000 | 344,000 |
| Securities available for sale | 29,778,000 | 30,348,000 | 30,976,000 | 31,542,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 83,521,000 | 78,786,000 | 76,664,000 | 81,132,000 |
| Interest-bearing deposits | 63,433,000 | 61,199,000 | 58,826,000 | 60,277,000 |
| Noninterest-bearing deposits | 20,088,000 | 17,587,000 | 17,838,000 | 20,855,000 |
| Equity capital | 8,847,000 | 8,586,000 | 8,811,000 | 8,804,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 855,000 | 1,722,000 | 2,555,000 | 3,404,000 |
| Interest expense | 67,000 | 131,000 | 195,000 | 262,000 |
| Net interest income | 788,000 | 1,591,000 | 2,360,000 | 3,142,000 |
| Noninterest income | 115,000 | 227,000 | 329,000 | 438,000 |
| Noninterest expense | 731,000 | 1,439,000 | 2,246,000 | 2,958,000 |
| Provision for loan losses | 19,000 | 19,000 | 19,000 | 19,000 |
| Pretax income | 154,000 | 369,000 | 459,000 | 638,000 |
| Income tax | 43,000 | 112,000 | 133,000 | 190,000 |
| Net income | 111,000 | 257,000 | 326,000 | 448,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,256,000 | 8,380,000 | 8,463,000 | 8,585,000 |
| Total capital | 8,627,000 | 8,751,000 | 8,832,000 | 8,929,000 |
| Risk-weighted assets | 50,221,000 | 49,494,000 | 47,184,000 | 48,945,000 |