Call reports 2003
HOME SAVINGS BANK — 2003
What HOME SAVINGS BANK reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 76,090,000 | 79,468,000 | 79,116,000 | 79,453,000 |
| Total loans | 60,472,000 | 58,813,000 | 55,654,000 | 56,008,000 |
| Allowance for loan losses | 1,014,000 | 1,014,000 | 927,000 | 914,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 64,155,000 | 67,007,000 | 66,333,000 | 66,512,000 |
| Interest-bearing deposits | 64,155,000 | 0 | 66,333,000 | 66,512,000 |
| Noninterest-bearing deposits | 0 | 67,007,000 | 0 | 0 |
| Equity capital | 7,490,000 | 7,750,000 | 8,093,000 | 8,370,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 1,469,000 | 2,909,000 | 4,277,000 | 5,608,000 |
| Interest expense | 562,000 | 1,125,000 | 1,646,000 | 2,126,000 |
| Net interest income | 907,000 | 1,784,000 | 2,631,000 | 3,482,000 |
| Noninterest income | 71,000 | 174,000 | 289,000 | 443,000 |
| Noninterest expense | 431,000 | 837,000 | 1,252,000 | 1,815,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 547,000 | 1,121,000 | 1,668,000 | 2,110,000 |
| Income tax | 204,000 | 418,000 | 622,000 | 787,000 |
| Net income | 343,000 | 703,000 | 1,046,000 | 1,323,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,490,000 | 7,750,000 | 8,093,000 | 8,370,000 |
| Total capital | 8,247,000 | 8,508,000 | 8,824,000 | 9,104,000 |
| Risk-weighted assets | 60,303,000 | 60,354,000 | 58,305,000 | 58,656,000 |