Call reports 2005
HOME SAVINGS BANK — 2005
What HOME SAVINGS BANK reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 76,377,000 | 78,097,000 | 78,441,000 | 85,027,000 |
| Total loans | 61,310,000 | 65,293,000 | 66,812,000 | 71,953,000 |
| Allowance for loan losses | 915,000 | 943,000 | 943,000 | 943,000 |
| Securities available for sale | 3,459,000 | 4,373,000 | 4,361,000 | 4,488,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 62,668,000 | 64,066,000 | 64,306,000 | 65,633,000 |
| Interest-bearing deposits | 62,583,000 | 63,936,000 | 63,854,000 | 65,022,000 |
| Noninterest-bearing deposits | 85,000 | 130,000 | 452,000 | 611,000 |
| Equity capital | 9,425,000 | 9,623,000 | 9,861,000 | 10,092,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 1,402,000 | 2,809,000 | 4,193,000 | 5,757,000 |
| Interest expense | 439,000 | 940,000 | 1,488,000 | 2,122,000 |
| Net interest income | 963,000 | 1,869,000 | 2,705,000 | 3,635,000 |
| Noninterest income | 84,000 | 126,000 | 157,000 | 221,000 |
| Noninterest expense | 522,000 | 1,014,000 | 1,491,000 | 2,089,000 |
| Provision for loan losses | 37,000 | 37,000 | 37,000 | 38,000 |
| Pretax income | 488,000 | 944,000 | 1,334,000 | 1,729,000 |
| Income tax | 182,000 | 352,000 | 497,000 | 645,000 |
| Net income | 306,000 | 592,000 | 837,000 | 1,084,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,448,000 | 9,634,000 | 9,885,000 | 10,133,000 |
| Total capital | 10,224,000 | 10,442,000 | 10,715,000 | 11,033,000 |
| Risk-weighted assets | 61,646,000 | 64,546,000 | 66,283,000 | 71,965,000 |