Call reports 2014
HOME SAVINGS BANK — 2014
What HOME SAVINGS BANK reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 118,714,000 | 116,575,000 | 114,120,000 | 116,104,000 |
| Total loans | 94,772,000 | 95,159,000 | 93,510,000 | 96,177,000 |
| Allowance for loan losses | 1,431,000 | 1,428,000 | 1,403,000 | 1,443,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 7,702,000 | 6,368,000 | 4,873,000 | 6,210,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 105,274,000 | 102,097,000 | 100,265,000 | 101,889,000 |
| Interest-bearing deposits | 104,237,000 | 100,873,000 | 99,438,000 | 100,544,000 |
| Noninterest-bearing deposits | 1,037,000 | 1,224,000 | 827,000 | 1,345,000 |
| Equity capital | 12,847,000 | 12,911,000 | 13,187,000 | 13,454,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 1,541,000 | 3,002,000 | 4,532,000 | 6,255,000 |
| Interest expense | 254,000 | 504,000 | 744,000 | 993,000 |
| Net interest income | 1,287,000 | 2,498,000 | 3,788,000 | 5,262,000 |
| Noninterest income | -6,000 | -234,000 | -363,000 | -631,000 |
| Noninterest expense | 762,000 | 1,424,000 | 2,155,000 | 2,896,000 |
| Provision for loan losses | 39,000 | 258,000 | 247,000 | 287,000 |
| Pretax income | 479,000 | 581,000 | 1,022,000 | 1,447,000 |
| Income tax | 180,000 | 218,000 | 383,000 | 541,000 |
| Net income | 299,000 | 363,000 | 639,000 | 906,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,847,000 | 12,911,000 | 13,187,000 | 13,454,000 |
| Total capital | 13,986,000 | 14,039,000 | 14,248,000 | 14,579,000 |
| Risk-weighted assets | 90,793,000 | 89,926,000 | 84,544,000 | 89,656,000 |