Call reports 2019
HOME BANKING COMPANY — 2019
What HOME BANKING COMPANY reported to the FFIEC in 2019, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Total assets | 93,624,000 | 89,246,000 | 86,949,000 | 91,149,000 |
| Total loans | 33,250,000 | 34,319,000 | 36,018,000 | 36,281,000 |
| Allowance for loan losses | 340,000 | 369,000 | 405,000 | 417,000 |
| Securities available for sale | 41,554,000 | 40,056,000 | 34,170,000 | 36,399,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 82,672,000 | 78,059,000 | 75,400,000 | 79,733,000 |
| Interest-bearing deposits | 60,152,000 | 40,946,000 | 51,382,000 | 56,575,000 |
| Noninterest-bearing deposits | 22,520,000 | 37,113,000 | 24,018,000 | 23,158,000 |
| Equity capital | 9,844,000 | 10,098,000 | 10,455,000 | 10,333,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Interest income | 894,000 | 1,791,000 | 2,663,000 | 3,575,000 |
| Interest expense | 134,000 | 272,000 | 396,000 | 522,000 |
| Net interest income | 760,000 | 1,519,000 | 2,267,000 | 3,053,000 |
| Noninterest income | 108,000 | 210,000 | 312,000 | 412,000 |
| Noninterest expense | 700,000 | 1,518,000 | 2,232,000 | 3,047,000 |
| Provision for loan losses | 0 | 28,000 | 69,000 | 85,000 |
| Pretax income | 168,000 | 191,000 | 263,000 | 321,000 |
| Income tax | 34,000 | 30,000 | 40,000 | 47,000 |
| Net income | 134,000 | 161,000 | 223,000 | 274,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,742,000 | 9,771,000 | 9,835,000 | 9,843,000 |
| Total capital | 10,082,000 | 10,140,000 | 10,240,000 | 10,260,000 |
| Risk-weighted assets | 51,480,000 | 51,366,000 | 51,214,000 | 54,170,000 |