Call reports 2014
HOME LOAN STATE BANK — 2014
What HOME LOAN STATE BANK reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 71,527,000 | 73,396,000 | 74,039,000 | 74,103,000 |
| Total loans | 25,811,000 | 28,667,000 | 30,534,000 | 30,584,000 |
| Allowance for loan losses | 527,000 | 545,000 | 550,000 | 516,000 |
| Securities available for sale | 37,673,000 | 36,503,000 | 35,153,000 | 35,651,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 55,926,000 | 60,956,000 | 64,766,000 | 61,592,000 |
| Interest-bearing deposits | 43,777,000 | 48,852,000 | 52,293,000 | 47,242,000 |
| Noninterest-bearing deposits | 12,149,000 | 12,104,000 | 12,473,000 | 14,350,000 |
| Equity capital | 6,473,000 | 6,828,000 | 7,028,000 | 7,191,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 635,000 | 1,290,000 | 1,966,000 | 2,664,000 |
| Interest expense | 79,000 | 160,000 | 240,000 | 314,000 |
| Net interest income | 556,000 | 1,130,000 | 1,726,000 | 2,350,000 |
| Noninterest income | 39,000 | 65,000 | 96,000 | 117,000 |
| Noninterest expense | 441,000 | 842,000 | 1,239,000 | 1,699,000 |
| Provision for loan losses | 0 | 0 | 0 | 69,000 |
| Pretax income | 188,000 | 433,000 | 663,000 | 789,000 |
| Income tax | 45,000 | 110,000 | 166,000 | 204,000 |
| Net income | 143,000 | 323,000 | 497,000 | 585,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,579,000 | 6,883,000 | 7,009,000 | 7,060,000 |
| Total capital | 7,035,000 | 7,368,000 | 7,513,000 | 7,565,000 |
| Risk-weighted assets | 36,973,000 | 39,551,000 | 40,648,000 | 41,007,000 |