Call reports 2007
HOME SAVINGS BANK — 2007
What HOME SAVINGS BANK reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 135,868,000 | 139,894,000 | 134,113,000 | 137,102,000 |
| Total loans | 96,276,000 | 97,145,000 | 97,811,000 | 100,640,000 |
| Allowance for loan losses | 487,000 | 502,000 | 493,000 | 470,000 |
| Securities available for sale | 19,625,000 | 19,850,000 | 19,827,000 | 17,850,000 |
| Securities held to maturity | 162,000 | 148,000 | 147,000 | 146,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 107,254,000 | 109,553,000 | 105,389,000 | 105,672,000 |
| Interest-bearing deposits | 101,392,000 | 103,353,000 | 100,103,000 | 100,144,000 |
| Noninterest-bearing deposits | 5,862,000 | 6,200,000 | 5,286,000 | 5,528,000 |
| Equity capital | 11,723,000 | 11,715,000 | 11,808,000 | 11,791,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 1,776,000 | 3,671,000 | 5,564,000 | 7,443,000 |
| Interest expense | 1,014,000 | 2,086,000 | 3,170,000 | 4,239,000 |
| Net interest income | 762,000 | 1,585,000 | 2,394,000 | 3,204,000 |
| Noninterest income | 338,000 | 766,000 | 1,227,000 | 1,548,000 |
| Noninterest expense | 1,184,000 | 2,410,000 | 3,647,000 | 4,878,000 |
| Provision for loan losses | 6,000 | 8,000 | 8,000 | 8,000 |
| Pretax income | -90,000 | -67,000 | -34,000 | -132,000 |
| Income tax | -53,000 | -63,000 | -64,000 | -118,000 |
| Net income | -37,000 | -4,000 | 30,000 | -14,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,738,000 | 11,747,000 | 11,777,000 | 11,737,000 |
| Total capital | 12,225,000 | 12,249,000 | 12,270,000 | 12,207,000 |
| Risk-weighted assets | 86,247,000 | 94,853,000 | 94,251,000 | 91,097,000 |
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