Call reports 2012
HOME LOAN STATE BANK — 2012
What HOME LOAN STATE BANK reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 62,389,000 | 64,695,000 | 75,781,000 | 72,944,000 |
| Total loans | 19,233,000 | 19,402,000 | 20,806,000 | 20,191,000 |
| Allowance for loan losses | 660,000 | 701,000 | 751,000 | 486,000 |
| Securities available for sale | 35,903,000 | 37,618,000 | 47,167,000 | 44,217,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 54,419,000 | 56,848,000 | 62,840,000 | 61,829,000 |
| Interest-bearing deposits | 41,489,000 | 44,902,000 | 47,486,000 | 47,312,000 |
| Noninterest-bearing deposits | 12,930,000 | 11,946,000 | 15,354,000 | 14,517,000 |
| Equity capital | 6,851,000 | 6,867,000 | 7,028,000 | 6,945,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 552,000 | 1,082,000 | 1,659,000 | 2,194,000 |
| Interest expense | 168,000 | 335,000 | 499,000 | 631,000 |
| Net interest income | 384,000 | 747,000 | 1,160,000 | 1,563,000 |
| Noninterest income | 21,000 | 41,000 | 69,000 | 91,000 |
| Noninterest expense | 343,000 | 696,000 | 1,073,000 | 1,453,000 |
| Provision for loan losses | 180,000 | 225,000 | 270,000 | 315,000 |
| Pretax income | -118,000 | -35,000 | -16,000 | -16,000 |
| Income tax | -54,000 | -36,000 | -46,000 | -66,000 |
| Net income | -64,000 | 1,000 | 30,000 | 50,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,684,000 | 6,711,000 | 6,703,000 | 6,685,000 |
| Total capital | 7,083,000 | 7,112,000 | 7,127,000 | 7,098,000 |
| Risk-weighted assets | 32,141,000 | 32,438,000 | 34,258,000 | 33,699,000 |