Call reports 2013
HOME BUILDING AND LOAN COMPANY, THE — 2013
What HOME BUILDING AND LOAN COMPANY, THE 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 | 41,736,000 | 41,279,000 | 39,259,000 | 38,349,000 |
| Total loans | 12,606,000 | 11,596,000 | 11,209,000 | 10,534,000 |
| Allowance for loan losses | 850,000 | 621,000 | 589,000 | 601,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 10,785,000 | 11,457,000 | 12,060,000 | 11,898,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 36,351,000 | 35,875,000 | 33,951,000 | 33,159,000 |
| Interest-bearing deposits | 36,336,000 | 35,864,000 | 33,939,000 | 33,098,000 |
| Noninterest-bearing deposits | 15,000 | 11,000 | 12,000 | 61,000 |
| Equity capital | 5,253,000 | 5,272,000 | 5,175,000 | 5,058,000 |
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 | 259,000 | 569,000 | 825,000 | 1,078,000 |
| Interest expense | 45,000 | 92,000 | 137,000 | 181,000 |
| Net interest income | 214,000 | 477,000 | 688,000 | 897,000 |
| Noninterest income | 1,000 | 38,000 | -1,000 | -85,000 |
| Noninterest expense | 332,000 | 579,000 | 848,000 | 1,090,000 |
| Provision for loan losses | 458,000 | 486,000 | 486,000 | 486,000 |
| Pretax income | -575,000 | -556,000 | -653,000 | -770,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | -575,000 | -556,000 | -653,000 | -770,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,253,000 | 5,272,000 | 5,175,000 | 5,058,000 |
| Total capital | 5,444,000 | 5,452,000 | 5,335,000 | 5,214,000 |
| Risk-weighted assets | 13,826,000 | 13,179,000 | 12,448,000 | 14,109,000 |