Call reports 2016
HONOR BANK — 2016
What HONOR 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 | 196,485,000 | 197,729,000 | 207,487,000 | 206,932,000 |
| Total loans | 151,673,000 | 159,694,000 | 159,008,000 | 168,996,000 |
| Allowance for loan losses | 1,681,000 | 1,699,000 | 1,741,000 | 1,718,000 |
| Securities available for sale | 18,526,000 | 17,777,000 | 18,487,000 | 0 |
| Securities held to maturity | 0 | 0 | 0 | 18,087,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 172,119,000 | 173,093,000 | 182,858,000 | 182,205,000 |
| Interest-bearing deposits | 139,857,000 | 136,718,000 | 141,823,000 | 142,080,000 |
| Noninterest-bearing deposits | 32,262,000 | 36,375,000 | 41,035,000 | 40,125,000 |
| Equity capital | 18,779,000 | 19,111,000 | 18,819,000 | 18,993,000 |
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 | 2,133,000 | 4,329,000 | 6,612,000 | 8,839,000 |
| Interest expense | 131,000 | 239,000 | 363,000 | 495,000 |
| Net interest income | 2,002,000 | 4,090,000 | 6,249,000 | 8,344,000 |
| Noninterest income | 511,000 | 1,088,000 | 1,840,000 | 2,451,000 |
| Noninterest expense | 1,984,000 | 3,995,000 | 7,101,000 | 9,159,000 |
| Provision for loan losses | 78,000 | 155,000 | 210,000 | 213,000 |
| Pretax income | 461,000 | 1,039,000 | 794,000 | 1,423,000 |
| Income tax | 132,000 | 304,000 | 198,000 | 376,000 |
| Net income | 329,000 | 735,000 | 596,000 | 1,047,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 18,476,000 | 18,740,000 | 18,489,000 | 18,910,000 |
| Total capital | 20,157,000 | 20,439,000 | 20,230,000 | 20,628,000 |
| Risk-weighted assets | 160,411,000 | 165,670,000 | 165,552,000 | 171,878,000 |