Call reports 2015
HOYNE SAVINGS BANK — 2015
What HOYNE 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 | 274,746,000 | 272,856,000 | 270,125,000 | 270,504,000 |
| Total loans | 133,342,000 | 133,496,000 | 132,602,000 | 130,014,000 |
| Allowance for loan losses | 1,252,000 | 1,120,000 | 1,091,000 | 1,228,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 79,517,000 | 80,781,000 | 88,434,000 | 86,031,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 221,448,000 | 219,889,000 | 217,962,000 | 218,646,000 |
| Interest-bearing deposits | 215,157,000 | 212,394,000 | 210,780,000 | 210,221,000 |
| Noninterest-bearing deposits | 6,291,000 | 7,495,000 | 7,182,000 | 8,425,000 |
| Equity capital | 52,485,000 | 52,010,000 | 51,405,000 | 51,051,000 |
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 | 1,801,000 | 3,573,000 | 5,302,000 | 7,065,000 |
| Interest expense | 197,000 | 398,000 | 604,000 | 801,000 |
| Net interest income | 1,604,000 | 3,175,000 | 4,698,000 | 6,264,000 |
| Noninterest income | 44,000 | 74,000 | 49,000 | 77,000 |
| Noninterest expense | 1,677,000 | 3,553,000 | 5,299,000 | 7,077,000 |
| Provision for loan losses | 40,000 | 240,000 | 380,000 | 550,000 |
| Pretax income | -69,000 | -544,000 | -932,000 | -1,286,000 |
| Income tax | 0 | 0 | 217,000 | 217,000 |
| Net income | -69,000 | -544,000 | -1,149,000 | -1,503,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 52,359,000 | 51,884,000 | 50,805,000 | 50,451,000 |
| Total capital | 53,436,000 | 52,958,000 | 51,896,000 | 51,566,000 |
| Risk-weighted assets | 86,024,000 | 85,907,000 | 89,277,000 | 88,745,000 |