Call reports 2025
HOME SAVINGS BANK — 2025
What HOME 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 | 109,425,000 | 109,977,000 | 111,242,000 | 112,716,000 |
| Total loans | 76,226,000 | 74,965,000 | 75,367,000 | 75,211,000 |
| Allowance for loan losses | 969,000 | 980,000 | 1,013,000 | 1,013,000 |
| Securities available for sale | 22,768,000 | 25,087,000 | 27,211,000 | 31,462,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 85,506,000 | 83,238,000 | 86,871,000 | 88,493,000 |
| Interest-bearing deposits | 79,082,000 | 76,826,000 | 80,173,000 | 82,394,000 |
| Noninterest-bearing deposits | 6,424,000 | 6,412,000 | 6,698,000 | 6,099,000 |
| Equity capital | 17,902,000 | 18,167,000 | 18,832,000 | 19,231,000 |
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 | 1,444,000 | 2,932,000 | 4,462,000 | 6,036,000 |
| Interest expense | 490,000 | 994,000 | 1,479,000 | 1,964,000 |
| Net interest income | 954,000 | 1,938,000 | 2,983,000 | 4,072,000 |
| Noninterest income | 57,000 | 79,000 | 303,000 | 336,000 |
| Noninterest expense | 686,000 | 1,396,000 | 2,115,000 | 2,859,000 |
| Provision for loan losses | 30,000 | 50,000 | 80,000 | 80,000 |
| Pretax income | 294,000 | 572,000 | 1,092,000 | 1,471,000 |
| Income tax | 54,000 | 117,000 | 193,000 | 278,000 |
| Net income | 240,000 | 455,000 | 899,000 | 1,193,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 17,464,000 | 17,734,000 | 18,250,000 | 18,585,000 |
| Total capital | 18,337,000 | 18,603,000 | 19,109,000 | 19,441,000 |
| Risk-weighted assets | 69,786,000 | 68,876,000 | 68,619,000 | 67,787,000 |