Call reports 2025
HOME LOAN STATE BANK — 2025
What HOME LOAN STATE BANK reported to the FFIEC in 2025, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Total assets | 192,916,000 | 201,622,000 | 208,624,000 | 234,020,000 |
| Total loans | 79,927,000 | 84,828,000 | 85,306,000 | 88,007,000 |
| Allowance for loan losses | 1,600,000 | 1,600,000 | 935,000 | 935,000 |
| Securities available for sale | 84,983,000 | 85,607,000 | 87,617,000 | 88,260,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 177,129,000 | 185,877,000 | 189,906,000 | 215,489,000 |
| Interest-bearing deposits | 134,494,000 | 139,419,000 | 145,730,000 | 154,515,000 |
| Noninterest-bearing deposits | 42,635,000 | 46,458,000 | 44,176,000 | 60,974,000 |
| Equity capital | 12,946,000 | 12,825,000 | 15,503,000 | 15,718,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Interest income | 2,288,000 | 4,614,000 | 7,519,000 | 10,122,000 |
| Interest expense | 900,000 | 1,759,000 | 2,701,000 | 3,646,000 |
| Net interest income | 1,388,000 | 2,855,000 | 4,818,000 | 6,476,000 |
| Noninterest income | 99,000 | 197,000 | 270,000 | -246,000 |
| Noninterest expense | 1,224,000 | 2,518,000 | 3,816,000 | 5,144,000 |
| Provision for loan losses | 0 | 0 | -665,000 | -665,000 |
| Pretax income | 263,000 | 534,000 | 1,937,000 | 1,751,000 |
| Income tax | 34,000 | 71,000 | 387,000 | 292,000 |
| Net income | 229,000 | 463,000 | 1,550,000 | 1,459,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 17,266,000 | 17,465,000 | 18,499,000 | 18,374,000 |
| Total capital | 18,639,000 | 18,879,000 | 19,434,000 | 19,309,000 |
| Risk-weighted assets | 108,227,000 | 111,512,000 | 111,487,000 | 111,581,000 |