Call reports 2012
HOME BUILDING AND LOAN COMPANY, THE — 2012
What HOME BUILDING AND LOAN COMPANY, THE reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 43,070,000 | 42,720,000 | 41,815,000 | 41,368,000 |
| Total loans | 15,911,000 | 14,456,000 | 13,779,000 | 13,168,000 |
| Allowance for loan losses | 425,000 | 450,000 | 475,000 | 500,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 6,785,000 | 6,334,000 | 6,923,000 | 8,156,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 36,646,000 | 36,502,000 | 35,790,000 | 35,407,000 |
| Interest-bearing deposits | 36,646,000 | 36,502,000 | 35,790,000 | 35,407,000 |
| Noninterest-bearing deposits | 0 | 0 | 0 | 0 |
| Equity capital | 6,285,000 | 6,080,000 | 5,891,000 | 5,828,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 276,000 | 609,000 | 918,000 | 1,187,000 |
| Interest expense | 46,000 | 92,000 | 139,000 | 185,000 |
| Net interest income | 230,000 | 517,000 | 779,000 | 1,002,000 |
| Noninterest income | -50,000 | -82,000 | -114,000 | -105,000 |
| Noninterest expense | 406,000 | 687,000 | 978,000 | 1,193,000 |
| Provision for loan losses | 177,000 | 356,000 | 484,000 | 564,000 |
| Pretax income | -403,000 | -608,000 | -797,000 | -860,000 |
| Income tax | -60,000 | -60,000 | -60,000 | -60,000 |
| Net income | -343,000 | -548,000 | -737,000 | -800,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,285,000 | 6,080,000 | 5,891,000 | 5,828,000 |
| Total capital | 6,487,000 | 6,283,000 | 6,083,000 | 6,016,000 |
| Risk-weighted assets | 15,951,000 | 15,203,000 | 14,311,000 | 14,000,000 |