Call reports 2013
HOMEWOOD FEDERAL SAVINGS BANK — 2013
What HOMEWOOD FEDERAL SAVINGS BANK reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 70,198,000 | 70,068,000 | 69,385,000 | 68,899,000 |
| Total loans | 52,298,000 | 51,370,000 | 55,281,000 | 55,464,000 |
| Allowance for loan losses | 420,000 | 337,000 | 389,000 | 397,000 |
| Securities available for sale | 8,213,000 | 7,702,000 | 7,018,000 | 6,639,000 |
| Securities held to maturity | 678,000 | 551,000 | 466,000 | 424,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 56,555,000 | 56,228,000 | 55,533,000 | 55,026,000 |
| Interest-bearing deposits | 55,961,000 | 55,463,000 | 55,014,000 | 54,608,000 |
| Noninterest-bearing deposits | 594,000 | 765,000 | 519,000 | 418,000 |
| Equity capital | 13,389,000 | 13,550,000 | 13,638,000 | 13,786,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 737,000 | 1,483,000 | 2,202,000 | 2,952,000 |
| Interest expense | 162,000 | 316,000 | 467,000 | 616,000 |
| Net interest income | 575,000 | 1,167,000 | 1,735,000 | 2,336,000 |
| Noninterest income | 6,000 | 42,000 | 98,000 | 139,000 |
| Noninterest expense | 350,000 | 783,000 | 1,124,000 | 1,517,000 |
| Provision for loan losses | 215,000 | 130,000 | 193,000 | 268,000 |
| Pretax income | 16,000 | 296,000 | 516,000 | 690,000 |
| Income tax | 88,000 | 176,000 | 280,000 | 316,000 |
| Net income | -72,000 | 120,000 | 236,000 | 374,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 13,431,000 | 13,623,000 | 13,738,000 | 13,877,000 |
| Total capital | 13,851,000 | 13,960,000 | 14,127,000 | 14,274,000 |
| Risk-weighted assets | 35,147,000 | 35,212,000 | 36,867,000 | 37,237,000 |