Call reports 2025
HOMESTEAD SAVINGS BANK — 2025
What HOMESTEAD SAVINGS 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 | 72,948,000 | 71,475,000 | 71,348,000 | 71,640,000 |
| Total loans | 52,523,000 | 53,300,000 | 52,000,000 | 51,892,000 |
| Allowance for loan losses | 556,000 | 548,000 | 554,000 | 557,000 |
| Securities available for sale | 3,725,000 | 3,619,000 | 3,513,000 | 3,416,000 |
| Securities held to maturity | 560,000 | 560,000 | 509,000 | 508,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 66,795,000 | 65,174,000 | 64,916,000 | 64,995,000 |
| Interest-bearing deposits | 35,260,000 | 34,358,000 | 33,635,000 | 34,049,000 |
| Noninterest-bearing deposits | 31,536,000 | 30,816,000 | 31,280,000 | 30,947,000 |
| Equity capital | 5,832,000 | 6,004,000 | 6,136,000 | 6,325,000 |
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 | 812,000 | 1,693,000 | 2,504,000 | 3,348,000 |
| Interest expense | 93,000 | 176,000 | 252,000 | 326,000 |
| Net interest income | 719,000 | 1,517,000 | 2,252,000 | 3,022,000 |
| Noninterest income | 142,000 | 272,000 | 412,000 | 594,000 |
| Noninterest expense | 760,000 | 1,512,000 | 2,256,000 | 3,002,000 |
| Provision for loan losses | 15,000 | 20,000 | 27,000 | 27,000 |
| Pretax income | 86,000 | 257,000 | 381,000 | 587,000 |
| Income tax | 17,000 | 58,000 | 87,000 | 132,000 |
| Net income | 69,000 | 199,000 | 294,000 | 455,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,290,000 | 6,421,000 | 6,516,000 | 6,677,000 |
| Total capital | 6,777,000 | 6,910,000 | 6,997,000 | 7,163,000 |
| Risk-weighted assets | 38,858,000 | 39,097,000 | 38,392,000 | 38,781,000 |