Call reports 2009
HOME SAVINGS BANK — 2009
What HOME SAVINGS BANK reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 150,508,000 | 147,290,000 | 146,242,000 | 135,708,000 |
| Total loans | 130,341,000 | 123,092,000 | 119,025,000 | 114,975,000 |
| Allowance for loan losses | 2,476,000 | 1,405,000 | 1,761,000 | 1,725,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 135,295,000 | 132,409,000 | 131,568,000 | 122,310,000 |
| Interest-bearing deposits | 133,379,000 | 130,385,000 | 129,456,000 | 120,235,000 |
| Noninterest-bearing deposits | 1,916,000 | 2,024,000 | 2,112,000 | 2,075,000 |
| Equity capital | 12,507,000 | 12,507,000 | 12,289,000 | 13,069,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 2,586,000 | 4,872,000 | 7,079,000 | 9,122,000 |
| Interest expense | 1,314,000 | 2,457,000 | 3,545,000 | 4,474,000 |
| Net interest income | 1,272,000 | 2,415,000 | 3,534,000 | 4,648,000 |
| Noninterest income | 0 | 1,000 | -122,000 | -314,000 |
| Noninterest expense | 715,000 | 1,405,000 | 2,077,000 | 2,779,000 |
| Provision for loan losses | 556,000 | 1,010,000 | 1,763,000 | 1,983,000 |
| Pretax income | 1,000 | 1,000 | -428,000 | -428,000 |
| Income tax | 0 | 0 | -211,000 | -241,000 |
| Net income | 1,000 | 1,000 | -217,000 | -187,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,507,000 | 12,507,000 | 12,289,000 | 13,069,000 |
| Total capital | 14,005,000 | 13,912,000 | 13,745,000 | 14,435,000 |
| Risk-weighted assets | 119,408,000 | 117,943,000 | 116,145,000 | 108,944,000 |