Call reports 2016
HOME SAVINGS BANK — 2016
What HOME SAVINGS BANK reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 118,214,000 | 122,254,000 | 120,467,000 | 122,298,000 |
| Total loans | 95,474,000 | 90,369,000 | 89,735,000 | 93,866,000 |
| Allowance for loan losses | 1,433,000 | 1,353,000 | 1,347,000 | 1,408,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 13,168,000 | 21,725,000 | 21,165,000 | 18,552,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 103,414,000 | 107,072,000 | 104,068,000 | 106,708,000 |
| Interest-bearing deposits | 101,914,000 | 105,666,000 | 102,749,000 | 105,322,000 |
| Noninterest-bearing deposits | 1,500,000 | 1,407,000 | 1,319,000 | 1,386,000 |
| Equity capital | 14,277,000 | 14,694,000 | 14,734,000 | 15,023,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 1,451,000 | 2,954,000 | 4,410,000 | 5,867,000 |
| Interest expense | 257,000 | 538,000 | 835,000 | 1,134,000 |
| Net interest income | 1,194,000 | 2,416,000 | 3,575,000 | 4,733,000 |
| Noninterest income | -22,000 | -18,000 | -221,000 | -205,000 |
| Noninterest expense | 754,000 | 1,467,000 | 2,189,000 | 2,842,000 |
| Provision for loan losses | 178,000 | 18,000 | 188,000 | 249,000 |
| Pretax income | 245,000 | 919,000 | 983,000 | 1,443,000 |
| Income tax | 86,000 | 343,000 | 367,000 | 538,000 |
| Net income | 159,000 | 576,000 | 616,000 | 905,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 14,277,000 | 14,694,000 | 14,734,000 | 15,023,000 |
| Total capital | 15,442,000 | 15,900,000 | 15,968,000 | 16,277,000 |
| Risk-weighted assets | 92,963,000 | 96,366,000 | 98,629,000 | 100,190,000 |