Call reports 2013
HOME LOAN STATE BANK — 2013
What HOME LOAN STATE BANK reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 70,344,000 | 71,202,000 | 71,220,000 | 70,636,000 |
| Total loans | 19,140,000 | 20,194,000 | 22,232,000 | 23,660,000 |
| Allowance for loan losses | 506,000 | 540,000 | 590,000 | 452,000 |
| Securities available for sale | 42,915,000 | 43,109,000 | 40,318,000 | 39,059,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 60,988,000 | 63,383,000 | 59,474,000 | 57,363,000 |
| Interest-bearing deposits | 48,934,000 | 48,678,000 | 49,012,000 | 46,134,000 |
| Noninterest-bearing deposits | 12,054,000 | 14,705,000 | 10,462,000 | 11,229,000 |
| Equity capital | 6,900,000 | 6,271,000 | 6,135,000 | 6,213,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 532,000 | 1,063,000 | 1,608,000 | 2,218,000 |
| Interest expense | 104,000 | 199,000 | 294,000 | 383,000 |
| Net interest income | 428,000 | 864,000 | 1,314,000 | 1,835,000 |
| Noninterest income | 19,000 | 44,000 | 78,000 | -155,000 |
| Noninterest expense | 434,000 | 928,000 | 1,350,000 | 1,736,000 |
| Provision for loan losses | 45,000 | 90,000 | 135,000 | 20,000 |
| Pretax income | -32,000 | -21,000 | -4,000 | 13,000 |
| Income tax | -31,000 | -51,000 | -68,000 | -86,000 |
| Net income | -1,000 | 30,000 | 64,000 | 99,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,647,000 | 6,640,000 | 6,521,000 | 6,564,000 |
| Total capital | 7,044,000 | 7,057,000 | 6,954,000 | 6,998,000 |
| Risk-weighted assets | 32,434,000 | 33,233,000 | 34,468,000 | 35,217,000 |