Call reports 2004
HOME LOAN SAVINGS BANK, THE — 2004
What HOME LOAN SAVINGS BANK, THE reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q3 | 2004Q4 |
|---|---|---|
| Total assets | 160,353,000 | 160,263,000 |
| Total loans | 133,127,000 | 132,346,000 |
| Allowance for loan losses | 669,000 | 397,000 |
| Securities available for sale | 17,440,000 | 16,940,000 |
| Securities held to maturity | 0 | 0 |
| Trading assets | 0 | 0 |
| Total deposits | 92,697,000 | 90,225,000 |
| Interest-bearing deposits | 82,734,000 | 80,997,000 |
| Noninterest-bearing deposits | 9,963,000 | 9,228,000 |
| Equity capital | 18,316,000 | 18,808,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q3 | 2004Q4 |
|---|---|---|
| Interest income | 7,224,000 | 9,632,000 |
| Interest expense | 2,728,000 | 3,658,000 |
| Net interest income | 4,496,000 | 5,974,000 |
| Noninterest income | 485,000 | 650,000 |
| Noninterest expense | 2,764,000 | 3,704,000 |
| Provision for loan losses | 427,000 | 517,000 |
| Pretax income | 1,905,000 | 2,518,000 |
| Income tax | 689,000 | 904,000 |
| Net income | 1,216,000 | 1,614,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q3 | 2004Q4 |
|---|---|---|
| Tier 1 capital | 18,147,000 | 18,705,000 |
| Total capital | 18,816,000 | 19,102,000 |
| Risk-weighted assets | 103,952,000 | 113,481,000 |