Call reports 2019
TEXAS HILL COUNTRY BANK — 2019
What TEXAS HILL COUNTRY BANK reported to the FFIEC in 2019, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Total assets | 149,750,000 | 152,781,000 | 153,347,000 | 169,774,000 |
| Total loans | 114,378,000 | 123,395,000 | 128,022,000 | 129,881,000 |
| Allowance for loan losses | 974,000 | 1,044,000 | 1,105,000 | 1,166,000 |
| Securities available for sale | 3,985,000 | 3,831,000 | 3,626,000 | 3,415,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 134,926,000 | 137,557,000 | 137,340,000 | 153,398,000 |
| Interest-bearing deposits | 110,374,000 | 108,898,000 | 112,016,000 | 122,783,000 |
| Noninterest-bearing deposits | 24,552,000 | 28,659,000 | 25,324,000 | 30,615,000 |
| Equity capital | 14,465,000 | 14,859,000 | 15,278,000 | 15,549,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Interest income | 1,687,000 | 3,457,000 | 5,328,000 | 7,248,000 |
| Interest expense | 332,000 | 689,000 | 1,043,000 | 1,409,000 |
| Net interest income | 1,355,000 | 2,768,000 | 4,285,000 | 5,839,000 |
| Noninterest income | 171,000 | 342,000 | 694,000 | 1,001,000 |
| Noninterest expense | 1,157,000 | 2,300,000 | 3,595,000 | 4,819,000 |
| Provision for loan losses | 45,000 | 115,000 | 175,000 | 235,000 |
| Pretax income | 324,000 | 695,000 | 1,209,000 | 1,786,000 |
| Income tax | 60,000 | 120,000 | 228,000 | 383,000 |
| Net income | 264,000 | 575,000 | 981,000 | 1,403,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Tier 1 capital | 14,553,000 | 14,873,000 | 15,289,000 | 15,553,000 |
| Total capital | 15,527,000 | 15,917,000 | 16,394,000 | 16,719,000 |
| Risk-weighted assets | 119,445,000 | 127,685,000 | 130,937,000 | 133,700,000 |