Call reports 2005
HOME LOAN STATE BANK — 2005
What HOME LOAN STATE BANK reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 51,094,000 | 51,214,000 | 53,187,000 | 54,139,000 |
| Total loans | 28,929,000 | 31,221,000 | 33,533,000 | 34,063,000 |
| Allowance for loan losses | 186,000 | 192,000 | 208,000 | 220,000 |
| Securities available for sale | 12,448,000 | 10,645,000 | 10,585,000 | 10,683,000 |
| Securities held to maturity | 2,654,000 | 2,342,000 | 2,289,000 | 2,291,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 41,276,000 | 41,544,000 | 43,890,000 | 44,093,000 |
| Interest-bearing deposits | 41,273,000 | 41,541,000 | 43,887,000 | 44,090,000 |
| Noninterest-bearing deposits | 3,000 | 3,000 | 3,000 | 3,000 |
| Equity capital | 3,781,000 | 3,943,000 | 3,985,000 | 4,261,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 839,000 | 1,727,000 | 2,701,000 | 3,839,000 |
| Interest expense | 455,000 | 932,000 | 1,441,000 | 1,978,000 |
| Net interest income | 384,000 | 795,000 | 1,260,000 | 1,861,000 |
| Noninterest income | -14,000 | -6,000 | -33,000 | -35,000 |
| Noninterest expense | 236,000 | 483,000 | 739,000 | 975,000 |
| Provision for loan losses | 22,000 | 45,000 | 77,000 | 150,000 |
| Pretax income | 107,000 | 240,000 | 390,000 | 680,000 |
| Income tax | 40,000 | 90,000 | 128,000 | 228,000 |
| Net income | 67,000 | 150,000 | 262,000 | 452,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,781,000 | 3,943,000 | 3,985,000 | 4,261,000 |
| Total capital | 3,968,000 | 4,135,000 | 4,193,000 | 4,481,000 |
| Risk-weighted assets | 37,912,000 | 39,569,000 | 41,730,000 | 42,157,000 |
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