Call reports 2010
HOME LOAN STATE BANK — 2010
What HOME LOAN STATE BANK reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 41,891,000 | 44,126,000 | 44,226,000 | 43,441,000 |
| Total loans | 23,230,000 | 25,127,000 | 25,025,000 | 24,738,000 |
| Allowance for loan losses | 479,000 | 408,000 | 405,000 | 457,000 |
| Securities available for sale | 8,898,000 | 10,654,000 | 11,475,000 | 11,742,000 |
| Securities held to maturity | 240,000 | 241,000 | 241,000 | 10,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 36,279,000 | 38,545,000 | 35,578,000 | 35,242,000 |
| Interest-bearing deposits | 31,879,000 | 31,723,000 | 30,591,000 | 29,071,000 |
| Noninterest-bearing deposits | 4,400,000 | 6,822,000 | 4,987,000 | 6,171,000 |
| Equity capital | 5,121,000 | 5,120,000 | 7,144,000 | 6,832,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 568,000 | 1,140,000 | 1,731,000 | 2,280,000 |
| Interest expense | 216,000 | 426,000 | 624,000 | 780,000 |
| Net interest income | 352,000 | 714,000 | 1,107,000 | 1,500,000 |
| Noninterest income | -29,000 | -11,000 | -4,000 | 10,000 |
| Noninterest expense | 316,000 | 670,000 | 1,021,000 | 1,448,000 |
| Provision for loan losses | 45,000 | 90,000 | 135,000 | 420,000 |
| Pretax income | -38,000 | -57,000 | -53,000 | -322,000 |
| Income tax | -14,000 | -21,000 | -19,000 | -139,000 |
| Net income | -24,000 | -36,000 | -34,000 | -183,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,057,000 | 4,032,000 | 4,015,000 | 3,829,000 |
| Total capital | 5,487,000 | 5,440,000 | 7,420,000 | 7,241,000 |
| Risk-weighted assets | 34,575,000 | 36,927,000 | 34,567,000 | 32,928,000 |