Call reports 2015
HOME SAVINGS BANK — 2015
What HOME 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 | 66,670,000 | 68,046,000 | 66,338,000 | 66,580,000 |
| Total loans | 22,558,000 | 25,945,000 | 25,055,000 | 25,815,000 |
| Allowance for loan losses | 366,000 | 366,000 | 361,000 | 361,000 |
| Securities available for sale | 35,798,000 | 34,437,000 | 33,133,000 | 32,757,000 |
| Securities held to maturity | 500,000 | 500,000 | 500,000 | 500,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 48,200,000 | 47,325,000 | 47,365,000 | 46,258,000 |
| Interest-bearing deposits | 39,215,000 | 38,388,000 | 38,286,000 | 44,507,000 |
| Noninterest-bearing deposits | 8,985,000 | 8,937,000 | 9,079,000 | 1,751,000 |
| Equity capital | 13,737,000 | 13,528,000 | 13,780,000 | 13,629,000 |
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 | 500,000 | 1,015,000 | 1,516,000 | 2,006,000 |
| Interest expense | 60,000 | 119,000 | 175,000 | 229,000 |
| Net interest income | 440,000 | 896,000 | 1,341,000 | 1,777,000 |
| Noninterest income | 42,000 | 84,000 | 128,000 | 207,000 |
| Noninterest expense | 412,000 | 837,000 | 1,250,000 | 1,710,000 |
| Provision for loan losses | 113,000 | 113,000 | 113,000 | 113,000 |
| Pretax income | 32,000 | 376,000 | 452,000 | 507,000 |
| Income tax | 5,000 | 183,000 | 143,000 | 157,000 |
| Net income | 27,000 | 193,000 | 309,000 | 350,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,849,000 | 12,003,000 | 12,090,000 | 12,136,000 |
| Total capital | 12,215,000 | 12,369,000 | 12,451,000 | 12,497,000 |
| Risk-weighted assets | 28,447,000 | 30,199,000 | 29,324,000 | 30,196,000 |