Call reports 2015
HOME SAVINGS BANK — 2015
What HOME SAVINGS BANK reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 117,756,000 | 119,394,000 | 120,536,000 | 119,018,000 |
| Total loans | 96,269,000 | 96,640,000 | 93,685,000 | 91,508,000 |
| Allowance for loan losses | 1,445,000 | 1,450,000 | 1,406,000 | 1,369,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 7,487,000 | 8,225,000 | 13,133,000 | 16,328,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 103,222,000 | 105,063,000 | 105,377,000 | 103,900,000 |
| Interest-bearing deposits | 101,496,000 | 102,651,000 | 104,011,000 | 101,653,000 |
| Noninterest-bearing deposits | 1,726,000 | 2,412,000 | 1,366,000 | 2,247,000 |
| Equity capital | 13,697,000 | 13,412,000 | 14,146,000 | 14,518,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 1,526,000 | 3,017,000 | 4,535,000 | 6,020,000 |
| Interest expense | 247,000 | 496,000 | 752,000 | 1,010,000 |
| Net interest income | 1,279,000 | 2,521,000 | 3,783,000 | 5,010,000 |
| Noninterest income | -90,000 | -451,000 | -379,000 | -382,000 |
| Noninterest expense | 766,000 | 1,459,000 | 2,119,000 | 2,783,000 |
| Provision for loan losses | 35,000 | 40,000 | 102,000 | 65,000 |
| Pretax income | 388,000 | 571,000 | 1,183,000 | 1,780,000 |
| Income tax | 145,000 | 213,000 | 441,000 | 666,000 |
| Net income | 243,000 | 358,000 | 742,000 | 1,114,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 13,180,000 | 13,412,000 | 14,146,000 | 14,518,000 |
| Total capital | 14,320,000 | 14,540,000 | 15,318,000 | 15,685,000 |
| Risk-weighted assets | 90,940,000 | 89,918,000 | 93,516,000 | 93,154,000 |