Call reports 2004
HOME SAVINGS BANK — 2004
What HOME SAVINGS BANK reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 79,780,000 | 79,956,000 | 77,602,000 | 75,159,000 |
| Total loans | 57,152,000 | 57,543,000 | 59,938,000 | 56,526,000 |
| Allowance for loan losses | 857,000 | 899,000 | 907,000 | 879,000 |
| Securities available for sale | 0 | 0 | 1,509,000 | 3,096,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 66,560,000 | 66,416,000 | 64,225,000 | 61,612,000 |
| Interest-bearing deposits | 66,560,000 | 66,378,000 | 64,175,000 | 61,544,000 |
| Noninterest-bearing deposits | 0 | 38,000 | 50,000 | 68,000 |
| Equity capital | 8,546,000 | 8,828,000 | 8,902,000 | 9,142,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 1,259,000 | 2,529,000 | 3,822,000 | 5,051,000 |
| Interest expense | 456,000 | 904,000 | 1,340,000 | 1,766,000 |
| Net interest income | 803,000 | 1,625,000 | 2,482,000 | 3,285,000 |
| Noninterest income | 59,000 | 160,000 | 386,000 | 429,000 |
| Noninterest expense | 523,000 | 997,000 | 1,639,000 | 2,087,000 |
| Provision for loan losses | 58,000 | 58,000 | 66,000 | 66,000 |
| Pretax income | 281,000 | 730,000 | 1,163,000 | 1,561,000 |
| Income tax | 105,000 | 272,000 | 434,000 | 582,000 |
| Net income | 176,000 | 458,000 | 729,000 | 979,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,546,000 | 8,828,000 | 8,899,000 | 9,149,000 |
| Total capital | 9,287,000 | 9,573,000 | 9,663,000 | 9,878,000 |
| Risk-weighted assets | 59,198,000 | 59,447,000 | 60,956,000 | 58,164,000 |