Call reports 2013
TEXAS HILL COUNTRY BANK — 2013
What TEXAS HILL COUNTRY BANK reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 40,142,000 | 45,717,000 | 47,771,000 | 49,607,000 |
| Total loans | 20,269,000 | 26,340,000 | 28,701,000 | 32,580,000 |
| Allowance for loan losses | 201,000 | 231,000 | 276,000 | 313,000 |
| Securities available for sale | 15,079,000 | 14,142,000 | 13,278,000 | 12,951,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 34,711,000 | 38,443,000 | 40,643,000 | 44,372,000 |
| Interest-bearing deposits | 30,294,000 | 31,330,000 | 34,696,000 | 37,581,000 |
| Noninterest-bearing deposits | 4,417,000 | 7,113,000 | 5,947,000 | 6,791,000 |
| Equity capital | 5,397,000 | 5,226,000 | 5,068,000 | 5,179,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 327,000 | 707,000 | 1,130,000 | 1,587,000 |
| Interest expense | 44,000 | 87,000 | 133,000 | 182,000 |
| Net interest income | 283,000 | 620,000 | 997,000 | 1,405,000 |
| Noninterest income | 24,000 | 50,000 | 77,000 | 108,000 |
| Noninterest expense | 320,000 | 640,000 | 953,000 | 1,296,000 |
| Provision for loan losses | 5,000 | 35,000 | 80,000 | 117,000 |
| Pretax income | -18,000 | -5,000 | 41,000 | 109,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | -18,000 | -5,000 | 41,000 | 109,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,411,000 | 5,432,000 | 5,486,000 | 5,562,000 |
| Total capital | 5,612,000 | 5,663,000 | 5,762,000 | 5,875,000 |
| Risk-weighted assets | 24,632,000 | 29,853,000 | 31,929,000 | 35,418,000 |