Call reports 2018
TEXAS HILL COUNTRY BANK — 2018
What TEXAS HILL COUNTRY BANK reported to the FFIEC in 2018, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Total assets | 117,269,000 | 129,058,000 | 133,952,000 | 150,563,000 |
| Total loans | 97,956,000 | 101,675,000 | 102,003,000 | 108,475,000 |
| Allowance for loan losses | 883,000 | 918,000 | 947,000 | 933,000 |
| Securities available for sale | 4,941,000 | 4,650,000 | 4,353,000 | 4,170,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 103,904,000 | 115,397,000 | 119,899,000 | 136,063,000 |
| Interest-bearing deposits | 84,701,000 | 94,589,000 | 99,648,000 | 108,137,000 |
| Noninterest-bearing deposits | 19,203,000 | 20,808,000 | 20,251,000 | 27,926,000 |
| Equity capital | 13,128,000 | 13,445,000 | 13,745,000 | 14,164,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Interest income | 1,307,000 | 2,710,000 | 4,199,000 | 5,794,000 |
| Interest expense | 152,000 | 347,000 | 619,000 | 920,000 |
| Net interest income | 1,155,000 | 2,363,000 | 3,580,000 | 4,874,000 |
| Noninterest income | 159,000 | 345,000 | 570,000 | 752,000 |
| Noninterest expense | 925,000 | 1,871,000 | 2,885,000 | 3,861,000 |
| Provision for loan losses | 60,000 | 95,000 | 125,000 | 165,000 |
| Pretax income | 329,000 | 742,000 | 1,140,000 | 1,600,000 |
| Income tax | 41,000 | 134,000 | 226,000 | 346,000 |
| Net income | 288,000 | 608,000 | 914,000 | 1,254,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Tier 1 capital | 13,239,000 | 13,568,000 | 13,885,000 | 14,279,000 |
| Total capital | 14,122,000 | 14,486,000 | 14,832,000 | 15,212,000 |
| Risk-weighted assets | 97,850,000 | 101,548,000 | 105,712,000 | 115,383,000 |