Call reports 2016
HOME LOAN STATE BANK — 2016
What HOME LOAN STATE BANK reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 87,503,000 | 91,993,000 | 97,575,000 | 98,672,000 |
| Total loans | 45,015,000 | 48,031,000 | 48,621,000 | 49,955,000 |
| Allowance for loan losses | 589,000 | 317,000 | 563,000 | 616,000 |
| Securities available for sale | 32,604,000 | 33,440,000 | 37,256,000 | 39,464,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 76,453,000 | 80,432,000 | 85,880,000 | 85,668,000 |
| Interest-bearing deposits | 58,264,000 | 60,203,000 | 65,146,000 | 67,132,000 |
| Noninterest-bearing deposits | 18,189,000 | 20,229,000 | 20,734,000 | 18,536,000 |
| Equity capital | 7,575,000 | 7,942,000 | 7,989,000 | 7,810,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 810,000 | 1,641,000 | 2,517,000 | 3,476,000 |
| Interest expense | 90,000 | 177,000 | 265,000 | 359,000 |
| Net interest income | 720,000 | 1,464,000 | 2,252,000 | 3,117,000 |
| Noninterest income | 53,000 | 396,000 | 447,000 | 490,000 |
| Noninterest expense | 675,000 | 1,377,000 | 2,067,000 | 2,805,000 |
| Provision for loan losses | 10,000 | 20,000 | 20,000 | 20,000 |
| Pretax income | 128,000 | 502,000 | 723,000 | 893,000 |
| Income tax | 29,000 | 148,000 | 209,000 | 252,000 |
| Net income | 99,000 | 354,000 | 514,000 | 641,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,424,000 | 7,641,000 | 7,764,000 | 8,181,000 |
| Total capital | 8,013,000 | 7,958,000 | 8,327,000 | 8,797,000 |
| Risk-weighted assets | 62,813,000 | 65,379,000 | 65,978,000 | 66,975,000 |