Call reports 2006
HOME LOAN STATE BANK — 2006
What HOME LOAN STATE BANK reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 54,912,000 | 55,701,000 | 55,512,000 | 53,897,000 |
| Total loans | 35,327,000 | 36,383,000 | 35,759,000 | 34,545,000 |
| Allowance for loan losses | 195,000 | 198,000 | 198,000 | 285,000 |
| Securities available for sale | 10,397,000 | 10,353,000 | 10,666,000 | 11,152,000 |
| Securities held to maturity | 1,995,000 | 1,990,000 | 1,985,000 | 992,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 43,969,000 | 44,965,000 | 43,041,000 | 43,150,000 |
| Interest-bearing deposits | 43,966,000 | 44,961,000 | 43,037,000 | 43,146,000 |
| Noninterest-bearing deposits | 3,000 | 4,000 | 4,000 | 4,000 |
| Equity capital | 4,288,000 | 4,405,000 | 4,606,000 | 4,610,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 1,005,000 | 2,054,000 | 3,217,000 | 4,142,000 |
| Interest expense | 546,000 | 1,124,000 | 1,716,000 | 2,289,000 |
| Net interest income | 459,000 | 930,000 | 1,501,000 | 1,853,000 |
| Noninterest income | -3,000 | 6,000 | 5,000 | -1,000 |
| Noninterest expense | 247,000 | 512,000 | 837,000 | 1,066,000 |
| Provision for loan losses | 33,000 | 65,000 | 98,000 | 244,000 |
| Pretax income | 158,000 | 341,000 | 566,000 | 560,000 |
| Income tax | 52,000 | 117,000 | 208,000 | 227,000 |
| Net income | 106,000 | 224,000 | 358,000 | 333,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,288,000 | 4,405,000 | 5,140,000 | 4,844,000 |
| Total capital | 4,483,000 | 4,603,000 | 5,515,000 | 5,129,000 |
| Risk-weighted assets | 42,796,000 | 43,813,000 | 43,430,000 | 41,921,000 |
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