Call reports 2012
HOME LOAN SAVINGS BANK, THE — 2012
What HOME LOAN SAVINGS BANK, THE reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 167,319,000 | 166,437,000 | 165,023,000 | 167,271,000 |
| Total loans | 135,134,000 | 137,775,000 | 140,456,000 | 141,718,000 |
| Allowance for loan losses | 2,497,000 | 2,692,000 | 2,837,000 | 2,911,000 |
| Securities available for sale | 7,591,000 | 6,474,000 | 5,866,000 | 5,620,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 134,903,000 | 133,734,000 | 131,371,000 | 130,021,000 |
| Interest-bearing deposits | 123,560,000 | 122,158,000 | 120,322,000 | 118,737,000 |
| Noninterest-bearing deposits | 11,343,000 | 11,576,000 | 11,049,000 | 11,284,000 |
| Equity capital | 17,317,000 | 18,093,000 | 18,774,000 | 19,464,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 2,124,000 | 4,377,000 | 6,544,000 | 8,729,000 |
| Interest expense | 351,000 | 670,000 | 914,000 | 1,130,000 |
| Net interest income | 1,773,000 | 3,707,000 | 5,630,000 | 7,599,000 |
| Noninterest income | 241,000 | 509,000 | 780,000 | 1,071,000 |
| Noninterest expense | 1,055,000 | 2,032,000 | 3,036,000 | 4,093,000 |
| Provision for loan losses | 50,000 | 250,000 | 400,000 | 550,000 |
| Pretax income | 909,000 | 1,934,000 | 2,974,000 | 4,027,000 |
| Income tax | 309,000 | 543,000 | 896,000 | 1,254,000 |
| Net income | 600,000 | 1,391,000 | 2,078,000 | 2,773,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 17,271,000 | 18,061,000 | 18,746,000 | 19,438,000 |
| Total capital | 18,768,000 | 19,570,000 | 20,266,000 | 20,976,000 |
| Risk-weighted assets | 118,800,000 | 119,545,000 | 120,280,000 | 121,655,000 |