Call reports 2014
TEXAS HILL COUNTRY BANK — 2014
What TEXAS HILL COUNTRY BANK reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 51,106,000 | 55,880,000 | 56,719,000 | 60,735,000 |
| Total loans | 34,906,000 | 38,616,000 | 39,299,000 | 44,237,000 |
| Allowance for loan losses | 335,000 | 369,000 | 384,000 | 425,000 |
| Securities available for sale | 12,740,000 | 12,376,000 | 11,915,000 | 11,601,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 43,198,000 | 46,864,000 | 46,203,000 | 50,096,000 |
| Interest-bearing deposits | 36,150,000 | 38,705,000 | 39,621,000 | 42,190,000 |
| Noninterest-bearing deposits | 7,048,000 | 8,159,000 | 6,582,000 | 7,906,000 |
| Equity capital | 5,358,000 | 8,469,000 | 10,459,000 | 10,588,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 482,000 | 999,000 | 1,567,000 | 2,182,000 |
| Interest expense | 49,000 | 99,000 | 152,000 | 204,000 |
| Net interest income | 433,000 | 900,000 | 1,415,000 | 1,978,000 |
| Noninterest income | 29,000 | 62,000 | 95,000 | 126,000 |
| Noninterest expense | 380,000 | 785,000 | 1,303,000 | 1,830,000 |
| Provision for loan losses | 22,000 | 56,000 | 71,000 | 112,000 |
| Pretax income | 60,000 | 121,000 | 136,000 | 162,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 60,000 | 121,000 | 136,000 | 162,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,630,000 | 8,723,000 | 10,722,000 | 10,772,000 |
| Total capital | 5,965,000 | 9,092,000 | 11,106,000 | 11,197,000 |
| Risk-weighted assets | 36,741,000 | 39,787,000 | 40,325,000 | 43,813,000 |