Call reports 2016
HOME BANKING COMPANY — 2016
What HOME BANKING COMPANY reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 92,938,000 | 91,496,000 | 87,283,000 | 90,078,000 |
| Total loans | 36,816,000 | 36,485,000 | 36,196,000 | 36,245,000 |
| Allowance for loan losses | 347,000 | 348,000 | 363,000 | 357,000 |
| Securities available for sale | 33,728,000 | 34,458,000 | 33,670,000 | 32,754,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 82,701,000 | 81,012,000 | 76,617,000 | 80,143,000 |
| Interest-bearing deposits | 63,377,000 | 61,928,000 | 57,577,000 | 60,033,000 |
| Noninterest-bearing deposits | 19,324,000 | 19,084,000 | 19,040,000 | 20,110,000 |
| Equity capital | 9,119,000 | 9,356,000 | 9,561,000 | 8,818,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 867,000 | 1,725,000 | 2,591,000 | 3,452,000 |
| Interest expense | 64,000 | 129,000 | 194,000 | 259,000 |
| Net interest income | 803,000 | 1,596,000 | 2,397,000 | 3,193,000 |
| Noninterest income | 105,000 | 214,000 | 338,000 | 453,000 |
| Noninterest expense | 755,000 | 1,477,000 | 2,256,000 | 3,090,000 |
| Provision for loan losses | 0 | 0 | 11,000 | 11,000 |
| Pretax income | 226,000 | 410,000 | 555,000 | 632,000 |
| Income tax | 72,000 | 133,000 | 172,000 | 189,000 |
| Net income | 154,000 | 277,000 | 383,000 | 443,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,679,000 | 8,802,000 | 8,910,000 | 8,970,000 |
| Total capital | 9,026,000 | 9,150,000 | 9,273,000 | 9,327,000 |
| Risk-weighted assets | 50,070,000 | 50,942,000 | 49,634,000 | 50,422,000 |