Call reports 2012
TEXAS HILL COUNTRY BANK — 2012
What TEXAS HILL COUNTRY BANK reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 38,149,000 | 37,567,000 | 39,173,000 | 44,668,000 |
| Total loans | 13,837,000 | 13,193,000 | 16,553,000 | 19,237,000 |
| Allowance for loan losses | 139,000 | 138,000 | 160,000 | 196,000 |
| Securities available for sale | 19,271,000 | 18,920,000 | 15,951,000 | 15,980,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 32,838,000 | 31,932,000 | 33,383,000 | 39,029,000 |
| Interest-bearing deposits | 27,594,000 | 26,971,000 | 27,625,000 | 32,073,000 |
| Noninterest-bearing deposits | 5,244,000 | 4,961,000 | 5,758,000 | 6,956,000 |
| Equity capital | 5,248,000 | 5,436,000 | 5,527,000 | 5,518,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 294,000 | 591,000 | 907,000 | 1,234,000 |
| Interest expense | 60,000 | 113,000 | 159,000 | 204,000 |
| Net interest income | 234,000 | 478,000 | 748,000 | 1,030,000 |
| Noninterest income | 21,000 | 39,000 | 59,000 | 83,000 |
| Noninterest expense | 360,000 | 703,000 | 1,006,000 | 1,313,000 |
| Provision for loan losses | 21,000 | 20,000 | 42,000 | 78,000 |
| Pretax income | -126,000 | -206,000 | -226,000 | 38,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | -126,000 | -206,000 | -226,000 | 38,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,243,000 | 5,173,000 | 5,155,000 | 5,422,000 |
| Total capital | 5,381,000 | 5,311,000 | 5,315,000 | 5,618,000 |
| Risk-weighted assets | 18,928,000 | 17,794,000 | 21,013,000 | 23,954,000 |