Call reports 2013
HOME SAVINGS BANK — 2013
What HOME 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 | 113,000,000 | 116,667,000 | 118,245,000 | 120,803,000 |
| Total loans | 86,626,000 | 88,044,000 | 90,520,000 | 92,806,000 |
| Allowance for loan losses | 1,308,000 | 1,320,000 | 1,358,000 | 1,392,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 5,129,000 | 8,696,000 | 8,780,000 | 9,260,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 99,844,000 | 103,333,000 | 104,206,000 | 106,551,000 |
| Interest-bearing deposits | 98,757,000 | 102,294,000 | 103,160,000 | 105,390,000 |
| Noninterest-bearing deposits | 1,086,000 | 1,038,000 | 1,046,000 | 1,161,000 |
| Equity capital | 12,690,000 | 12,827,000 | 13,002,000 | 13,149,000 |
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 | 1,493,000 | 2,952,000 | 4,461,000 | 5,969,000 |
| Interest expense | 265,000 | 533,000 | 806,000 | 1,060,000 |
| Net interest income | 1,228,000 | 2,419,000 | 3,655,000 | 4,909,000 |
| Noninterest income | -65,000 | -280,000 | -396,000 | -568,000 |
| Noninterest expense | 735,000 | 1,473,000 | 2,260,000 | 3,073,000 |
| Provision for loan losses | 84,000 | 99,000 | 152,000 | 186,000 |
| Pretax income | 351,000 | 574,000 | 854,000 | 1,089,000 |
| Income tax | 139,000 | 225,000 | 330,000 | 418,000 |
| Net income | 212,000 | 349,000 | 524,000 | 671,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,690,000 | 12,827,000 | 13,002,000 | 13,149,000 |
| Total capital | 13,743,000 | 13,913,000 | 14,112,000 | 14,292,000 |
| Risk-weighted assets | 83,949,000 | 86,618,000 | 88,564,000 | 91,199,000 |