Call reports 2016
HOMEWOOD FEDERAL SAVINGS BANK — 2016
What HOMEWOOD FEDERAL 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 | 58,534,000 | 59,060,000 | 58,076,000 | 56,738,000 |
| Total loans | 44,278,000 | 42,586,000 | 41,111,000 | 41,106,000 |
| Allowance for loan losses | 437,000 | 435,000 | 432,000 | 422,000 |
| Securities available for sale | 4,133,000 | 4,453,000 | 4,250,000 | 4,069,000 |
| Securities held to maturity | 134,000 | 113,000 | 94,000 | 75,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 43,603,000 | 44,087,000 | 43,044,000 | 41,699,000 |
| Interest-bearing deposits | 42,970,000 | 43,212,000 | 42,524,000 | 41,105,000 |
| Noninterest-bearing deposits | 633,000 | 875,000 | 520,000 | 594,000 |
| Equity capital | 14,842,000 | 14,912,000 | 14,944,000 | 14,984,000 |
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 | 589,000 | 1,150,000 | 1,664,000 | 2,192,000 |
| Interest expense | 97,000 | 191,000 | 285,000 | 379,000 |
| Net interest income | 492,000 | 959,000 | 1,379,000 | 1,813,000 |
| Noninterest income | 7,000 | 9,000 | 9,000 | 15,000 |
| Noninterest expense | 323,000 | 648,000 | 1,002,000 | 1,322,000 |
| Provision for loan losses | -4,000 | 37,000 | 41,000 | 31,000 |
| Pretax income | 180,000 | 283,000 | 345,000 | 475,000 |
| Income tax | 71,000 | 112,000 | 136,000 | 196,000 |
| Net income | 109,000 | 171,000 | 209,000 | 279,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 14,866,000 | 14,928,000 | 14,965,000 | 15,035,000 |
| Total capital | 15,299,000 | 15,363,000 | 15,397,000 | 15,457,000 |
| Risk-weighted assets | 34,694,000 | 35,871,000 | 34,723,000 | 34,408,000 |