Call reports 2008
HOME SAVINGS BANK — 2008
What HOME SAVINGS BANK reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 144,675,000 | 143,545,000 | 142,970,000 | 147,522,000 |
| Total loans | 136,950,000 | 133,884,000 | 131,949,000 | 134,153,000 |
| Allowance for loan losses | 1,369,000 | 1,406,000 | 1,583,000 | 2,012,000 |
| Securities available for sale | 357,000 | 354,000 | 353,000 | 203,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 124,224,000 | 127,305,000 | 121,656,000 | 131,628,000 |
| Interest-bearing deposits | 122,933,000 | 126,015,000 | 120,334,000 | 129,929,000 |
| Noninterest-bearing deposits | 1,290,000 | 1,290,000 | 1,322,000 | 1,699,000 |
| Equity capital | 11,777,000 | 12,160,000 | 12,289,000 | 12,608,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 2,881,000 | 5,763,000 | 8,256,000 | 11,236,000 |
| Interest expense | 1,613,000 | 3,167,000 | 4,574,000 | 5,938,000 |
| Net interest income | 1,268,000 | 2,596,000 | 3,682,000 | 5,298,000 |
| Noninterest income | 0 | 44,000 | 16,000 | 17,000 |
| Noninterest expense | 676,000 | 1,399,000 | 2,073,000 | 2,753,000 |
| Provision for loan losses | 63,000 | 100,000 | 277,000 | 706,000 |
| Pretax income | 529,000 | 1,141,000 | 1,348,000 | 1,856,000 |
| Income tax | 197,000 | 426,000 | 503,000 | 692,000 |
| Net income | 332,000 | 715,000 | 845,000 | 1,164,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,774,000 | 12,158,000 | 12,288,000 | 12,606,000 |
| Total capital | 13,143,000 | 13,564,000 | 13,803,000 | 14,135,000 |
| Risk-weighted assets | 131,301,000 | 129,304,000 | 123,899,000 | 121,825,000 |