Call reports 2015
HOMELAND COMMUNITY BANK — 2015
What HOMELAND COMMUNITY 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 | 138,298,000 | 140,643,000 | 141,083,000 | 137,948,000 |
| Total loans | 74,511,000 | 74,617,000 | 73,816,000 | 72,356,000 |
| Allowance for loan losses | 1,948,000 | 1,957,000 | 1,973,000 | 1,997,000 |
| Securities available for sale | 41,420,000 | 42,883,000 | 43,524,000 | 42,390,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 123,335,000 | 125,926,000 | 125,741,000 | 123,424,000 |
| Interest-bearing deposits | 107,339,000 | 108,085,000 | 109,018,000 | 107,912,000 |
| Noninterest-bearing deposits | 15,996,000 | 17,841,000 | 16,723,000 | 15,512,000 |
| Equity capital | 13,709,000 | 13,438,000 | 14,003,000 | 13,161,000 |
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 | 1,216,000 | 2,446,000 | 3,765,000 | 4,978,000 |
| Interest expense | 206,000 | 414,000 | 620,000 | 817,000 |
| Net interest income | 1,010,000 | 2,032,000 | 3,145,000 | 4,161,000 |
| Noninterest income | 214,000 | 381,000 | 561,000 | -431,000 |
| Noninterest expense | 943,000 | 1,876,000 | 2,843,000 | 3,894,000 |
| Provision for loan losses | 60,000 | 100,000 | 130,000 | 160,000 |
| Pretax income | 221,000 | 437,000 | 733,000 | -310,000 |
| Income tax | 62,000 | 125,000 | 219,000 | -199,000 |
| Net income | 159,000 | 312,000 | 514,000 | -111,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 13,473,000 | 13,640,000 | 13,854,000 | 13,240,000 |
| Total capital | 14,550,000 | 14,730,000 | 14,914,000 | 14,307,000 |
| Risk-weighted assets | 85,335,000 | 86,376,000 | 83,920,000 | 84,446,000 |