Call reports 2015
TEXAS HILL COUNTRY BANK — 2015
What TEXAS HILL COUNTRY BANK reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 65,260,000 | 66,602,000 | 68,031,000 | 76,936,000 |
| Total loans | 40,689,000 | 43,740,000 | 52,110,000 | 58,968,000 |
| Allowance for loan losses | 450,000 | 455,000 | 487,000 | 522,000 |
| Securities available for sale | 11,356,000 | 10,880,000 | 10,515,000 | 13,030,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 54,488,000 | 55,789,000 | 57,015,000 | 58,366,000 |
| Interest-bearing deposits | 46,630,000 | 46,506,000 | 48,522,000 | 48,464,000 |
| Noninterest-bearing deposits | 7,858,000 | 9,283,000 | 8,493,000 | 9,902,000 |
| Equity capital | 10,726,000 | 10,739,000 | 10,910,000 | 10,983,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 622,000 | 1,247,000 | 1,958,000 | 2,714,000 |
| Interest expense | 56,000 | 121,000 | 188,000 | 256,000 |
| Net interest income | 566,000 | 1,126,000 | 1,770,000 | 2,458,000 |
| Noninterest income | 37,000 | 73,000 | 114,000 | 159,000 |
| Noninterest expense | 538,000 | 1,108,000 | 1,654,000 | 2,245,000 |
| Provision for loan losses | 25,000 | 30,000 | 62,000 | 97,000 |
| Pretax income | 40,000 | 61,000 | 168,000 | 275,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 40,000 | 61,000 | 168,000 | 275,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,821,000 | 10,851,000 | 10,968,000 | 11,148,000 |
| Total capital | 11,271,000 | 11,306,000 | 11,455,000 | 11,670,000 |
| Risk-weighted assets | 42,031,000 | 46,257,000 | 54,154,000 | 62,369,000 |