Call reports 2006
HOME SAVINGS BANK — 2006
What HOME SAVINGS BANK reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 88,237,000 | 97,009,000 | 105,208,000 | 110,871,000 |
| Total loans | 74,626,000 | 83,143,000 | 86,244,000 | 93,545,000 |
| Allowance for loan losses | 943,000 | 1,003,000 | 1,003,000 | 1,005,000 |
| Securities available for sale | 4,483,000 | 4,465,000 | 4,497,000 | 4,314,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 66,571,000 | 75,216,000 | 83,131,000 | 91,165,000 |
| Interest-bearing deposits | 66,082,000 | 74,597,000 | 82,326,000 | 89,908,000 |
| Noninterest-bearing deposits | 489,000 | 620,000 | 805,000 | 1,257,000 |
| Equity capital | 10,265,000 | 10,258,000 | 10,428,000 | 10,035,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 1,509,000 | 3,160,000 | 4,973,000 | 6,911,000 |
| Interest expense | 710,000 | 1,540,000 | 2,555,000 | 3,714,000 |
| Net interest income | 799,000 | 1,620,000 | 2,418,000 | 3,197,000 |
| Noninterest income | 52,000 | 170,000 | 313,000 | 398,000 |
| Noninterest expense | 572,000 | 1,431,000 | 2,145,000 | 2,855,000 |
| Provision for loan losses | 0 | 60,000 | 60,000 | 60,000 |
| Pretax income | 279,000 | 299,000 | 526,000 | 680,000 |
| Income tax | 104,000 | 118,000 | 196,000 | 254,000 |
| Net income | 175,000 | 181,000 | 330,000 | 426,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,268,000 | 10,235,000 | 10,463,000 | 10,059,000 |
| Total capital | 11,210,000 | 11,074,000 | 11,340,000 | 11,064,000 |
| Risk-weighted assets | 75,359,000 | 83,754,000 | 87,576,000 | 93,997,000 |