Call reports 2007
HOME SAVINGS BANK — 2007
What HOME SAVINGS BANK reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 122,668,000 | 120,555,000 | 130,641,000 | 140,171,000 |
| Total loans | 102,752,000 | 106,987,000 | 116,689,000 | 130,564,000 |
| Allowance for loan losses | 1,009,000 | 1,070,000 | 1,167,000 | 1,306,000 |
| Securities available for sale | 3,927,000 | 3,333,000 | 2,448,000 | 1,353,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 102,777,000 | 102,347,000 | 111,155,000 | 119,191,000 |
| Interest-bearing deposits | 102,195,000 | 101,500,000 | 109,848,000 | 118,204,000 |
| Noninterest-bearing deposits | 582,000 | 847,000 | 1,307,000 | 987,000 |
| Equity capital | 10,190,000 | 10,423,000 | 10,705,000 | 10,945,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 2,254,000 | 4,624,000 | 7,205,000 | 9,939,000 |
| Interest expense | 1,261,000 | 2,628,000 | 4,079,000 | 5,644,000 |
| Net interest income | 993,000 | 1,996,000 | 3,126,000 | 4,295,000 |
| Noninterest income | 3,000 | 16,000 | 24,000 | 17,000 |
| Noninterest expense | 757,000 | 1,348,000 | 1,955,000 | 2,603,000 |
| Provision for loan losses | 4,000 | 65,000 | 162,000 | 301,000 |
| Pretax income | 235,000 | 599,000 | 1,033,000 | 1,408,000 |
| Income tax | 87,000 | 223,000 | 385,000 | 525,000 |
| Net income | 148,000 | 376,000 | 648,000 | 883,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,206,000 | 10,435,000 | 10,707,000 | 10,943,000 |
| Total capital | 11,215,000 | 11,505,000 | 11,874,000 | 12,249,000 |
| Risk-weighted assets | 104,131,000 | 109,395,000 | 115,403,000 | 127,170,000 |