Call reports 2015
HOMEWOOD FEDERAL SAVINGS BANK — 2015
What HOMEWOOD FEDERAL 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 | 63,143,000 | 62,603,000 | 60,514,000 | 59,571,000 |
| Total loans | 50,552,000 | 48,047,000 | 45,927,000 | 45,413,000 |
| Allowance for loan losses | 506,000 | 489,000 | 468,000 | 441,000 |
| Securities available for sale | 5,007,000 | 4,644,000 | 4,428,000 | 4,268,000 |
| Securities held to maturity | 246,000 | 209,000 | 176,000 | 155,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 48,510,000 | 48,029,000 | 45,738,000 | 44,718,000 |
| Interest-bearing deposits | 47,831,000 | 47,634,000 | 45,006,000 | 43,777,000 |
| Noninterest-bearing deposits | 679,000 | 395,000 | 732,000 | 941,000 |
| Equity capital | 14,464,000 | 14,514,000 | 14,678,000 | 14,767,000 |
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 | 671,000 | 1,288,000 | 1,901,000 | 2,489,000 |
| Interest expense | 127,000 | 244,000 | 357,000 | 461,000 |
| Net interest income | 544,000 | 1,044,000 | 1,544,000 | 2,028,000 |
| Noninterest income | -1,000 | -8,000 | -2,000 | 10,000 |
| Noninterest expense | 291,000 | 618,000 | 942,000 | 1,267,000 |
| Provision for loan losses | 10,000 | 18,000 | -3,000 | -30,000 |
| Pretax income | 242,000 | 400,000 | 603,000 | 695,000 |
| Income tax | 113,000 | 173,000 | 238,000 | 289,000 |
| Net income | 129,000 | 227,000 | 365,000 | 406,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 14,521,000 | 14,619,000 | 14,757,000 | 14,798,000 |
| Total capital | 15,023,000 | 15,076,000 | 15,206,000 | 15,239,000 |
| Risk-weighted assets | 38,761,000 | 36,569,000 | 35,940,000 | 35,376,000 |