Call reports 2011
HOME LOAN STATE BANK — 2011
What HOME LOAN STATE BANK reported to the FFIEC in 2011, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Total assets | 48,384,000 | 53,185,000 | 67,182,000 | 64,966,000 |
| Total loans | 23,022,000 | 22,626,000 | 20,250,000 | 20,358,000 |
| Allowance for loan losses | 498,000 | 460,000 | 512,000 | 475,000 |
| Securities available for sale | 15,413,000 | 21,411,000 | 25,715,000 | 36,804,000 |
| Securities held to maturity | 5,000 | 5,000 | 5,000 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 40,341,000 | 45,274,000 | 59,209,000 | 54,199,000 |
| Interest-bearing deposits | 34,086,000 | 37,742,000 | 42,956,000 | 40,757,000 |
| Noninterest-bearing deposits | 6,255,000 | 7,532,000 | 16,253,000 | 13,442,000 |
| Equity capital | 6,889,000 | 6,873,000 | 6,919,000 | 6,912,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Interest income | 552,000 | 1,101,000 | 1,666,000 | 2,233,000 |
| Interest expense | 159,000 | 328,000 | 504,000 | 679,000 |
| Net interest income | 393,000 | 773,000 | 1,162,000 | 1,554,000 |
| Noninterest income | 21,000 | 46,000 | 66,000 | 92,000 |
| Noninterest expense | 342,000 | 691,000 | 1,053,000 | 1,384,000 |
| Provision for loan losses | 89,000 | 209,000 | 259,000 | 304,000 |
| Pretax income | -17,000 | 3,000 | 20,000 | 62,000 |
| Income tax | -14,000 | -14,000 | -11,000 | -7,000 |
| Net income | -3,000 | 17,000 | 31,000 | 69,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,788,000 | 3,772,000 | 3,748,000 | 6,788,000 |
| Total capital | 7,198,000 | 7,190,000 | 7,142,000 | 7,202,000 |
| Risk-weighted assets | 32,031,000 | 33,412,000 | 31,373,000 | 33,966,000 |