Call reports 2014
HOME LOAN SAVINGS BANK, THE — 2014
What HOME LOAN SAVINGS BANK, THE reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 165,796,000 | 169,928,000 | 177,585,000 | 178,317,000 |
| Total loans | 143,347,000 | 149,506,000 | 152,854,000 | 153,538,000 |
| Allowance for loan losses | 2,391,000 | 2,232,000 | 2,204,000 | 2,071,000 |
| Securities available for sale | 2,996,000 | 3,001,000 | 3,001,000 | 2,498,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 130,093,000 | 131,115,000 | 134,984,000 | 134,424,000 |
| Interest-bearing deposits | 115,677,000 | 115,759,000 | 118,575,000 | 118,756,000 |
| Noninterest-bearing deposits | 14,416,000 | 15,356,000 | 16,409,000 | 15,668,000 |
| Equity capital | 20,378,000 | 19,211,000 | 19,941,000 | 20,595,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 2,032,000 | 4,096,000 | 6,227,000 | 8,362,000 |
| Interest expense | 163,000 | 325,000 | 491,000 | 661,000 |
| Net interest income | 1,869,000 | 3,771,000 | 5,736,000 | 7,701,000 |
| Noninterest income | 200,000 | 411,000 | 664,000 | 939,000 |
| Noninterest expense | 1,076,000 | 2,160,000 | 3,240,000 | 4,424,000 |
| Provision for loan losses | 27,000 | 38,000 | 69,000 | 131,000 |
| Pretax income | 966,000 | 1,984,000 | 3,091,000 | 4,085,000 |
| Income tax | 328,000 | 517,000 | 894,000 | 1,232,000 |
| Net income | 638,000 | 1,467,000 | 2,197,000 | 2,853,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 20,367,000 | 19,197,000 | 19,926,000 | 20,411,000 |
| Total capital | 21,897,000 | 20,785,000 | 21,548,000 | 22,028,000 |
| Risk-weighted assets | 121,515,000 | 126,469,000 | 129,209,000 | 128,923,000 |