Call reports 2019
HOME SAVINGS BANK — 2019
What HOME SAVINGS BANK reported to the FFIEC in 2019, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Total assets | 124,838,000 | 124,172,000 | 127,127,000 | 125,108,000 |
| Total loans | 107,898,000 | 106,161,000 | 105,256,000 | 103,035,000 |
| Allowance for loan losses | 1,565,000 | 1,540,000 | 1,527,000 | 1,494,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 5,042,000 | 3,593,000 | 2,595,000 | 1,879,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 106,477,000 | 105,228,000 | 107,850,000 | 106,441,000 |
| Interest-bearing deposits | 104,384,000 | 102,828,000 | 103,552,000 | 102,133,000 |
| Noninterest-bearing deposits | 2,093,000 | 2,400,000 | 4,298,000 | 4,308,000 |
| Equity capital | 17,845,000 | 18,231,000 | 18,629,000 | 18,035,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Interest income | 1,721,000 | 3,465,000 | 5,262,000 | 6,971,000 |
| Interest expense | 529,000 | 1,088,000 | 1,676,000 | 2,267,000 |
| Net interest income | 1,192,000 | 2,377,000 | 3,586,000 | 4,704,000 |
| Noninterest income | 2,000 | 4,000 | 5,000 | 6,000 |
| Noninterest expense | 697,000 | 1,395,000 | 2,085,000 | 2,790,000 |
| Provision for loan losses | 21,000 | -4,000 | -17,000 | -50,000 |
| Pretax income | 476,000 | 990,000 | 1,523,000 | 1,973,000 |
| Income tax | 119,000 | 247,000 | 382,000 | 426,000 |
| Net income | 357,000 | 743,000 | 1,141,000 | 1,547,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Tier 1 capital | 17,845,000 | 18,231,000 | 18,629,000 | 18,035,000 |
| Total capital | 19,082,000 | 19,465,000 | 19,847,000 | 19,198,000 |
| Risk-weighted assets | 98,668,000 | 98,409,000 | 97,167,000 | 92,712,000 |