Call reports 2015
HOME LOAN STATE BANK — 2015
What HOME LOAN STATE BANK reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 79,830,000 | 76,886,000 | 86,188,000 | 85,973,000 |
| Total loans | 32,065,000 | 33,345,000 | 39,329,000 | 44,999,000 |
| Allowance for loan losses | 446,000 | 463,000 | 463,000 | 578,000 |
| Securities available for sale | 30,781,000 | 33,573,000 | 29,526,000 | 31,407,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 66,676,000 | 63,925,000 | 72,573,000 | 74,676,000 |
| Interest-bearing deposits | 49,263,000 | 50,635,000 | 53,581,000 | 56,968,000 |
| Noninterest-bearing deposits | 17,413,000 | 13,290,000 | 18,992,000 | 17,708,000 |
| Equity capital | 7,362,000 | 7,289,000 | 7,450,000 | 7,459,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 706,000 | 1,411,000 | 2,137,000 | 2,984,000 |
| Interest expense | 72,000 | 147,000 | 223,000 | 309,000 |
| Net interest income | 634,000 | 1,264,000 | 1,914,000 | 2,675,000 |
| Noninterest income | 44,000 | 71,000 | 128,000 | 150,000 |
| Noninterest expense | 467,000 | 928,000 | 1,520,000 | 2,183,000 |
| Provision for loan losses | 0 | 0 | 0 | 122,000 |
| Pretax income | 245,000 | 441,000 | 561,000 | 559,000 |
| Income tax | 68,000 | 122,000 | 147,000 | 129,000 |
| Net income | 177,000 | 319,000 | 414,000 | 430,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,152,000 | 7,189,000 | 7,356,000 | 7,335,000 |
| Total capital | 7,598,000 | 7,652,000 | 7,819,000 | 7,913,000 |
| Risk-weighted assets | 48,601,000 | 50,278,000 | 55,228,000 | 61,050,000 |