Call reports 2015
HOMESTEAD SAVINGS BANK — 2015
What HOMESTEAD SAVINGS 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 | 72,864,000 | 70,325,000 | 70,830,000 | 68,565,000 |
| Total loans | 54,820,000 | 54,229,000 | 53,439,000 | 52,606,000 |
| Allowance for loan losses | 520,000 | 537,000 | 521,000 | 466,000 |
| Securities available for sale | 2,032,000 | 1,923,000 | 1,892,000 | 1,835,000 |
| Securities held to maturity | 1,227,000 | 1,097,000 | 1,097,000 | 1,057,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 61,011,000 | 59,481,000 | 60,633,000 | 59,517,000 |
| Interest-bearing deposits | 53,631,000 | 39,109,000 | 38,805,000 | 38,939,000 |
| Noninterest-bearing deposits | 7,380,000 | 20,372,000 | 21,829,000 | 20,578,000 |
| Equity capital | 4,825,000 | 4,809,000 | 4,824,000 | 4,769,000 |
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 | 738,000 | 1,439,000 | 2,128,000 | 2,782,000 |
| Interest expense | 91,000 | 179,000 | 270,000 | 356,000 |
| Net interest income | 647,000 | 1,260,000 | 1,858,000 | 2,426,000 |
| Noninterest income | 173,000 | 454,000 | 585,000 | 738,000 |
| Noninterest expense | 764,000 | 1,633,000 | 2,350,000 | 3,112,000 |
| Provision for loan losses | 87,000 | 107,000 | 117,000 | 117,000 |
| Pretax income | -31,000 | -26,000 | -24,000 | -65,000 |
| Income tax | 3,000 | 5,000 | 8,000 | 11,000 |
| Net income | -34,000 | -31,000 | -32,000 | -76,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,720,000 | 4,714,000 | 4,720,000 | 4,671,000 |
| Total capital | 5,226,000 | 5,223,000 | 5,228,000 | 5,152,000 |
| Risk-weighted assets | 40,411,000 | 40,578,000 | 40,568,000 | 39,768,000 |