Call reports 2008
HOME SAVINGS BANK — 2008
What HOME SAVINGS BANK reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 139,887,000 | 141,816,000 | 143,027,000 | 148,488,000 |
| Total loans | 105,474,000 | 108,904,000 | 110,116,000 | 114,076,000 |
| Allowance for loan losses | 474,000 | 489,000 | 658,000 | 1,246,000 |
| Securities available for sale | 15,457,000 | 14,529,000 | 12,897,000 | 12,546,000 |
| Securities held to maturity | 145,000 | 143,000 | 142,000 | 141,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 109,124,000 | 111,238,000 | 112,240,000 | 113,359,000 |
| Interest-bearing deposits | 103,620,000 | 105,070,000 | 105,584,000 | 107,229,000 |
| Noninterest-bearing deposits | 5,504,000 | 6,168,000 | 6,656,000 | 6,130,000 |
| Equity capital | 11,787,000 | 11,507,000 | 11,113,000 | 10,516,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 1,897,000 | 3,781,000 | 5,623,000 | 7,442,000 |
| Interest expense | 1,055,000 | 2,037,000 | 2,976,000 | 3,894,000 |
| Net interest income | 842,000 | 1,744,000 | 2,647,000 | 3,548,000 |
| Noninterest income | 353,000 | 715,000 | 1,039,000 | 1,389,000 |
| Noninterest expense | 1,221,000 | 2,423,000 | 3,673,000 | 4,898,000 |
| Provision for loan losses | 15,000 | 30,000 | 210,000 | 817,000 |
| Pretax income | -34,000 | 13,000 | -188,000 | -767,000 |
| Income tax | -30,000 | -22,000 | -114,000 | -353,000 |
| Net income | -4,000 | 35,000 | -74,000 | -414,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,688,000 | 11,446,000 | 10,990,000 | 10,670,000 |
| Total capital | 12,162,000 | 11,935,000 | 11,648,000 | 11,916,000 |
| Risk-weighted assets | 95,301,000 | 100,757,000 | 104,030,000 | 106,680,000 |
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