Call reports 2008
HOME LOAN STATE BANK — 2008
What HOME LOAN STATE 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 | 40,577,000 | 39,617,000 | 40,232,000 | 39,922,000 |
| Total loans | 23,980,000 | 22,767,000 | 25,052,000 | 25,339,000 |
| Allowance for loan losses | 344,000 | 345,000 | 416,000 | 397,000 |
| Securities available for sale | 8,914,000 | 5,462,000 | 3,567,000 | 4,308,000 |
| Securities held to maturity | 460,000 | 461,000 | 243,000 | 243,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 34,960,000 | 34,245,000 | 35,201,000 | 34,943,000 |
| Interest-bearing deposits | 34,960,000 | 32,921,000 | 34,062,000 | 33,394,000 |
| Noninterest-bearing deposits | 0 | 1,324,000 | 1,139,000 | 1,548,000 |
| Equity capital | 4,891,000 | 4,872,000 | 4,540,000 | 4,543,000 |
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 | 659,000 | 1,260,000 | 1,876,000 | 2,502,000 |
| Interest expense | 454,000 | 831,000 | 1,183,000 | 1,521,000 |
| Net interest income | 205,000 | 429,000 | 693,000 | 981,000 |
| Noninterest income | 4,000 | 10,000 | -2,000 | 2,000 |
| Noninterest expense | 128,000 | 295,000 | 586,000 | 797,000 |
| Provision for loan losses | 73,000 | 148,000 | 306,000 | 471,000 |
| Pretax income | 8,000 | -4,000 | -440,000 | -524,000 |
| Income tax | 4,000 | -7,000 | -168,000 | -218,000 |
| Net income | 4,000 | 3,000 | -272,000 | -306,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,891,000 | 4,890,000 | 4,615,000 | 4,582,000 |
| Total capital | 5,236,000 | 5,235,000 | 5,031,000 | 4,979,000 |
| Risk-weighted assets | 32,655,000 | 35,692,000 | 33,905,000 | 36,200,000 |