Call reports 2016
HOME SAVINGS BANK — 2016
What HOME SAVINGS 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 | 66,059,000 | 70,332,000 | 70,352,000 | 69,895,000 |
| Total loans | 27,289,000 | 28,435,000 | 29,635,000 | 29,956,000 |
| Allowance for loan losses | 361,000 | 361,000 | 361,000 | 378,000 |
| Securities available for sale | 30,894,000 | 33,840,000 | 32,520,000 | 32,019,000 |
| Securities held to maturity | 500,000 | 500,000 | 500,000 | 500,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 47,773,000 | 47,787,000 | 49,088,000 | 48,538,000 |
| Interest-bearing deposits | 45,977,000 | 45,744,000 | 47,119,000 | 46,552,000 |
| Noninterest-bearing deposits | 1,796,000 | 2,043,000 | 1,969,000 | 1,986,000 |
| Equity capital | 13,911,000 | 14,040,000 | 14,102,000 | 13,615,000 |
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 | 498,000 | 1,003,000 | 1,541,000 | 2,090,000 |
| Interest expense | 54,000 | 111,000 | 171,000 | 230,000 |
| Net interest income | 444,000 | 892,000 | 1,370,000 | 1,860,000 |
| Noninterest income | 61,000 | 114,000 | 169,000 | 227,000 |
| Noninterest expense | 436,000 | 865,000 | 1,284,000 | 1,723,000 |
| Provision for loan losses | 0 | 0 | 0 | 17,000 |
| Pretax income | 111,000 | 183,000 | 298,000 | 408,000 |
| Income tax | 29,000 | 48,000 | 81,000 | 114,000 |
| Net income | 82,000 | 135,000 | 217,000 | 294,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,154,000 | 12,226,000 | 12,340,000 | 12,445,000 |
| Total capital | 12,515,000 | 12,587,000 | 12,701,000 | 12,823,000 |
| Risk-weighted assets | 30,924,000 | 32,714,000 | 33,178,000 | 34,019,000 |