Call reports 2016
TEXAS HILL COUNTRY BANK — 2016
What TEXAS HILL COUNTRY BANK reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 81,204,000 | 88,375,000 | 94,743,000 | 96,816,000 |
| Total loans | 64,354,000 | 66,122,000 | 68,950,000 | 73,898,000 |
| Allowance for loan losses | 548,000 | 587,000 | 616,000 | 631,000 |
| Securities available for sale | 8,796,000 | 8,485,000 | 9,079,000 | 11,020,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 67,957,000 | 76,898,000 | 82,988,000 | 85,002,000 |
| Interest-bearing deposits | 57,734,000 | 64,419,000 | 69,759,000 | 69,508,000 |
| Noninterest-bearing deposits | 10,223,000 | 12,479,000 | 13,229,000 | 15,494,000 |
| Equity capital | 11,173,000 | 11,379,000 | 11,594,000 | 11,704,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 823,000 | 1,693,000 | 2,602,000 | 3,556,000 |
| Interest expense | 84,000 | 186,000 | 301,000 | 424,000 |
| Net interest income | 739,000 | 1,507,000 | 2,301,000 | 3,132,000 |
| Noninterest income | 48,000 | 97,000 | 168,000 | 235,000 |
| Noninterest expense | 657,000 | 1,292,000 | 1,946,000 | 2,623,000 |
| Provision for loan losses | 27,000 | 66,000 | 96,000 | 111,000 |
| Pretax income | 103,000 | 246,000 | 427,000 | 633,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 103,000 | 246,000 | 427,000 | 633,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,207,000 | 11,361,000 | 11,554,000 | 11,770,000 |
| Total capital | 11,755,000 | 11,948,000 | 12,170,000 | 12,401,000 |
| Risk-weighted assets | 69,932,000 | 71,938,000 | 73,241,000 | 76,967,000 |