Call reports 2020
HOME SAVINGS BANK — 2020
What HOME SAVINGS BANK reported to the FFIEC in 2020, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Total assets | 129,480,000 | 130,057,000 | 132,610,000 | 129,341,000 |
| Total loans | 101,642,000 | 103,507,000 | 106,991,000 | 102,218,000 |
| Allowance for loan losses | 1,474,000 | 1,501,000 | 1,552,000 | 1,483,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 3,378,000 | 3,399,000 | 2,913,000 | 1,808,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 106,630,000 | 101,748,000 | 104,039,000 | 100,396,000 |
| Interest-bearing deposits | 101,645,000 | 99,027,000 | 100,778,000 | 97,232,000 |
| Noninterest-bearing deposits | 4,985,000 | 2,721,000 | 3,261,000 | 3,164,000 |
| Equity capital | 17,362,000 | 17,609,000 | 17,886,000 | 18,286,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Interest income | 1,703,000 | 3,299,000 | 4,908,000 | 6,503,000 |
| Interest expense | 580,000 | 1,132,000 | 1,649,000 | 2,115,000 |
| Net interest income | 1,123,000 | 2,167,000 | 3,259,000 | 4,388,000 |
| Noninterest income | 0 | 0 | -1,000 | 0 |
| Noninterest expense | 707,000 | 1,404,000 | 2,076,000 | 2,735,000 |
| Provision for loan losses | -20,000 | 7,000 | 58,000 | -11,000 |
| Pretax income | 436,000 | 766,000 | 1,136,000 | 1,676,000 |
| Income tax | 110,000 | 192,000 | 285,000 | 425,000 |
| Net income | 326,000 | 574,000 | 851,000 | 1,251,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Tier 1 capital | 17,362,000 | 17,609,000 | 17,886,000 | 18,286,000 |