Call reports 2025
HOME BANKING COMPANY — 2025
What HOME BANKING COMPANY reported to the FFIEC in 2025, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Total assets | 147,628,000 | 127,452,000 | 121,209,000 | 123,047,000 |
| Total loans | 65,942,000 | 62,314,000 | 60,322,000 | 60,378,000 |
| Allowance for loan losses | 634,000 | 546,000 | 429,000 | 482,000 |
| Securities available for sale | 19,652,000 | 19,412,000 | 16,447,000 | 16,164,000 |
| Securities held to maturity | 32,334,000 | 32,034,000 | 31,729,000 | 31,440,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 130,253,000 | 115,901,000 | 107,827,000 | 111,115,000 |
| Interest-bearing deposits | 92,052,000 | 76,799,000 | 71,999,000 | 75,164,000 |
| Noninterest-bearing deposits | 38,201,000 | 39,102,000 | 35,828,000 | 35,951,000 |
| Equity capital | 9,868,000 | 10,214,000 | 10,495,000 | 10,655,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Interest income | 1,682,000 | 3,259,000 | 4,716,000 | 6,177,000 |
| Interest expense | 667,000 | 1,273,000 | 1,746,000 | 2,185,000 |
| Net interest income | 1,015,000 | 1,986,000 | 2,970,000 | 3,992,000 |
| Noninterest income | 134,000 | 265,000 | 408,000 | 527,000 |
| Noninterest expense | 1,119,000 | 2,091,000 | 3,179,000 | 4,226,000 |
| Provision for loan losses | 89,000 | 99,000 | 99,000 | 169,000 |
| Pretax income | -59,000 | 60,000 | 44,000 | 67,000 |
| Income tax | -25,000 | 3,000 | -8,000 | -9,000 |
| Net income | -34,000 | 57,000 | 52,000 | 76,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,535,000 | 12,627,000 | 12,623,000 | 12,650,000 |
| Total capital | 13,177,000 | 13,183,000 | — | — |
| Risk-weighted assets | 70,611,000 | 64,441,000 | — | — |