Call reports 2013
HOME LOAN SAVINGS BANK, THE — 2013
What HOME LOAN SAVINGS BANK, THE reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 164,146,000 | 164,710,000 | 163,934,000 | 166,311,000 |
| Total loans | 140,313,000 | 138,700,000 | 140,445,000 | 141,803,000 |
| Allowance for loan losses | 2,980,000 | 2,341,000 | 2,383,000 | 2,388,000 |
| Securities available for sale | 4,873,000 | 4,666,000 | 4,204,000 | 3,003,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 128,190,000 | 130,312,000 | 127,863,000 | 129,284,000 |
| Interest-bearing deposits | 118,220,000 | 118,018,000 | 114,691,000 | 113,137,000 |
| Noninterest-bearing deposits | 9,970,000 | 12,294,000 | 13,172,000 | 16,147,000 |
| Equity capital | 20,072,000 | 18,374,000 | 19,022,000 | 19,745,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 2,103,000 | 4,262,000 | 6,364,000 | 8,575,000 |
| Interest expense | 201,000 | 395,000 | 578,000 | 750,000 |
| Net interest income | 1,902,000 | 3,867,000 | 5,786,000 | 7,825,000 |
| Noninterest income | 223,000 | 480,000 | 742,000 | 963,000 |
| Noninterest expense | 1,099,000 | 2,229,000 | 3,294,000 | 4,363,000 |
| Provision for loan losses | 100,000 | 200,000 | 330,000 | 423,000 |
| Pretax income | 926,000 | 1,918,000 | 2,904,000 | 4,002,000 |
| Income tax | 315,000 | 501,000 | 836,000 | 1,210,000 |
| Net income | 611,000 | 1,417,000 | 2,068,000 | 2,792,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 20,050,000 | 18,356,000 | 19,004,000 | 19,728,000 |
| Total capital | 21,574,000 | 19,866,000 | 20,509,000 | 21,240,000 |
| Risk-weighted assets | 120,509,000 | 119,929,000 | 119,492,000 | 120,048,000 |