Call reports 2016
HOME LOAN SAVINGS BANK, THE — 2016
What HOME LOAN SAVINGS BANK, THE reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 199,403,000 | 200,450,000 | 201,409,000 | 205,221,000 |
| Total loans | 174,956,000 | 174,721,000 | 174,651,000 | 178,790,000 |
| Allowance for loan losses | 2,106,000 | 2,248,000 | 2,273,000 | 2,274,000 |
| Securities available for sale | 3,007,000 | 3,510,000 | 3,510,000 | 3,495,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 148,984,000 | 154,742,000 | 157,235,000 | 159,670,000 |
| Interest-bearing deposits | 132,575,000 | 136,084,000 | 140,751,000 | 143,462,000 |
| Noninterest-bearing deposits | 16,409,000 | 18,658,000 | 16,484,000 | 16,208,000 |
| Equity capital | 22,414,000 | 21,329,000 | 22,081,000 | 22,823,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 2,325,000 | 4,635,000 | 6,943,000 | 9,261,000 |
| Interest expense | 224,000 | 459,000 | 717,000 | 979,000 |
| Net interest income | 2,101,000 | 4,176,000 | 6,226,000 | 8,282,000 |
| Noninterest income | 247,000 | 518,000 | 798,000 | 1,045,000 |
| Noninterest expense | 1,224,000 | 2,388,000 | 3,549,000 | 4,712,000 |
| Provision for loan losses | 30,000 | 165,000 | 200,000 | 206,000 |
| Pretax income | 1,094,000 | 2,141,000 | 3,275,000 | 4,409,000 |
| Income tax | 372,000 | 511,000 | 897,000 | 1,281,000 |
| Net income | 722,000 | 1,630,000 | 2,378,000 | 3,128,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 22,410,000 | 21,323,000 | 22,075,000 | 22,825,000 |
| Total capital | 24,272,000 | 23,174,000 | 23,950,000 | 24,744,000 |
| Risk-weighted assets | 148,692,000 | 147,654,000 | 149,614,000 | 153,147,000 |