Call reports 2005
HOME LOAN SAVINGS BANK, THE — 2005
What HOME LOAN SAVINGS BANK, THE reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 160,282,000 | 161,915,000 | 162,928,000 | 161,116,000 |
| Total loans | 132,388,000 | 131,617,000 | 131,856,000 | 134,430,000 |
| Allowance for loan losses | 394,000 | 603,000 | 564,000 | 767,000 |
| Securities available for sale | 16,325,000 | 15,948,000 | 15,320,000 | 14,657,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 93,505,000 | 99,037,000 | 100,366,000 | 101,617,000 |
| Interest-bearing deposits | 84,362,000 | 86,981,000 | 90,629,000 | 92,419,000 |
| Noninterest-bearing deposits | 9,143,000 | 12,056,000 | 9,737,000 | 9,198,000 |
| Equity capital | 19,111,000 | 16,540,000 | 16,967,000 | 17,165,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 2,341,000 | 4,743,000 | 7,208,000 | 9,746,000 |
| Interest expense | 935,000 | 1,940,000 | 3,001,000 | 4,122,000 |
| Net interest income | 1,406,000 | 2,803,000 | 4,207,000 | 5,624,000 |
| Noninterest income | 158,000 | 375,000 | 555,000 | 738,000 |
| Noninterest expense | 1,055,000 | 2,004,000 | 2,979,000 | 3,936,000 |
| Provision for loan losses | 90,000 | 450,000 | 535,000 | 845,000 |
| Pretax income | 419,000 | 724,000 | 1,248,000 | 1,581,000 |
| Income tax | 147,000 | 254,000 | 439,000 | 557,000 |
| Net income | 272,000 | 470,000 | 809,000 | 1,024,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 19,138,000 | 16,463,000 | 16,924,000 | 17,262,000 |
| Total capital | 19,532,000 | 17,066,000 | 17,488,000 | 18,029,000 |
| Risk-weighted assets | 104,731,000 | 105,903,000 | 102,659,000 | 104,144,000 |