Call reports 2016
HOMEBANC — 2016
What HOMEBANC 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 | 1,013,223,000 | 999,626,000 | 1,006,223,000 | 998,902,000 |
| Total loans | 694,681,000 | 720,526,000 | 717,473,000 | 690,495,000 |
| Allowance for loan losses | 3,646,000 | 3,871,000 | 3,925,000 | 3,838,000 |
| Securities available for sale | 232,538,000 | 190,316,000 | 182,001,000 | 179,555,000 |
| Securities held to maturity | 26,555,000 | 27,722,000 | 28,179,000 | 30,655,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 776,740,000 | 772,690,000 | 770,741,000 | 759,186,000 |
| Interest-bearing deposits | 708,947,000 | 696,796,000 | 692,904,000 | 685,573,000 |
| Noninterest-bearing deposits | 67,793,000 | 75,894,000 | 77,837,000 | 73,613,000 |
| Equity capital | 81,506,000 | 81,154,000 | 82,310,000 | 86,220,000 |
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 | 8,258,000 | 16,814,000 | 25,408,000 | 33,880,000 |
| Interest expense | 2,129,000 | 4,302,000 | 6,422,000 | 8,518,000 |
| Net interest income | 6,129,000 | 12,512,000 | 18,986,000 | 25,362,000 |
| Noninterest income | 1,357,000 | 2,572,000 | 3,701,000 | 5,588,000 |
| Noninterest expense | 4,493,000 | 9,239,000 | 14,053,000 | 19,822,000 |
| Provision for loan losses | 226,000 | 451,000 | 576,000 | 616,000 |
| Pretax income | 2,780,000 | 5,447,000 | 8,130,000 | 10,615,000 |
| Income tax | 989,000 | 1,917,000 | 2,848,000 | 3,709,000 |
| Net income | 1,791,000 | 3,530,000 | 5,282,000 | 6,906,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 85,256,000 | 86,048,000 | 86,897,000 | 87,945,000 |
| Total capital | 88,902,000 | 89,919,000 | 90,822,000 | 91,783,000 |
| Risk-weighted assets | 597,556,000 | 622,520,000 | 630,020,000 | 613,617,000 |