Call reports 2015
HONOR BANK — 2015
What HONOR 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 | 191,239,000 | 191,587,000 | 195,634,000 | 193,033,000 |
| Total loans | 136,236,000 | 136,501,000 | 141,186,000 | 144,664,000 |
| Allowance for loan losses | 1,792,000 | 1,631,000 | 1,778,000 | 1,707,000 |
| Securities available for sale | 20,436,000 | 18,828,000 | 19,469,000 | 19,548,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 167,209,000 | 167,822,000 | 172,544,000 | 169,113,000 |
| Interest-bearing deposits | 139,189,000 | 136,432,000 | 137,278,000 | 136,913,000 |
| Noninterest-bearing deposits | 28,020,000 | 31,390,000 | 35,266,000 | 32,200,000 |
| Equity capital | 19,581,000 | 19,757,000 | 19,973,000 | 18,533,000 |
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 | 1,978,000 | 4,014,000 | 6,122,000 | 8,225,000 |
| Interest expense | 146,000 | 288,000 | 425,000 | 565,000 |
| Net interest income | 1,832,000 | 3,726,000 | 5,697,000 | 7,660,000 |
| Noninterest income | 420,000 | 950,000 | 1,659,000 | 2,232,000 |
| Noninterest expense | 1,942,000 | 3,911,000 | 6,107,000 | 10,657,000 |
| Provision for loan losses | 59,000 | 58,000 | 109,000 | 115,000 |
| Pretax income | 251,000 | 707,000 | 1,140,000 | -880,000 |
| Income tax | 66,000 | 200,000 | 325,000 | -408,000 |
| Net income | 185,000 | 507,000 | 815,000 | -472,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 19,442,000 | 19,674,000 | 19,857,000 | 18,420,000 |
| Total capital | 21,234,000 | 21,305,000 | 21,635,000 | 20,127,000 |
| Risk-weighted assets | 145,979,000 | 146,592,000 | 148,372,000 | 151,327,000 |