Call reports 2009
HOME LOAN STATE BANK — 2009
What HOME LOAN STATE BANK reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 41,556,000 | 46,294,000 | 44,519,000 | 44,125,000 |
| Total loans | 23,460,000 | 22,275,000 | 22,224,000 | 22,789,000 |
| Allowance for loan losses | 394,000 | 331,000 | 446,000 | 450,000 |
| Securities available for sale | 3,393,000 | 3,419,000 | 5,860,000 | 9,688,000 |
| Securities held to maturity | 243,000 | 244,000 | 239,000 | 239,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 35,848,000 | 40,627,000 | 37,899,000 | 37,944,000 |
| Interest-bearing deposits | 33,632,000 | 35,687,000 | 32,227,000 | 31,750,000 |
| Noninterest-bearing deposits | 2,216,000 | 4,940,000 | 5,672,000 | 6,194,000 |
| Equity capital | 5,450,000 | 5,366,000 | 5,184,000 | 5,131,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 625,000 | 1,188,000 | 1,767,000 | 2,354,000 |
| Interest expense | 308,000 | 608,000 | 879,000 | 1,123,000 |
| Net interest income | 317,000 | 580,000 | 888,000 | 1,231,000 |
| Noninterest income | -42,000 | -46,000 | -94,000 | -76,000 |
| Noninterest expense | 367,000 | 762,000 | 1,117,000 | 1,491,000 |
| Provision for loan losses | 60,000 | 132,000 | 312,000 | 357,000 |
| Pretax income | -152,000 | -360,000 | -635,000 | -693,000 |
| Income tax | -56,000 | -138,000 | -244,000 | -243,000 |
| Net income | -96,000 | -222,000 | -391,000 | -450,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,485,000 | 4,347,000 | 4,165,000 | 4,092,000 |
| Total capital | 5,879,000 | 5,679,000 | 5,590,000 | 5,524,000 |
| Risk-weighted assets | 35,513,000 | 33,879,000 | 34,009,000 | 34,475,000 |