Call reports 2006
HOME LOAN SAVINGS BANK, THE — 2006
What HOME LOAN SAVINGS BANK, THE reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 160,796,000 | 158,733,000 | 158,300,000 | 163,101,000 |
| Total loans | 132,439,000 | 128,756,000 | 128,344,000 | 125,952,000 |
| Allowance for loan losses | 1,489,000 | 1,217,000 | 1,793,000 | 1,731,000 |
| Securities available for sale | 14,342,000 | 13,857,000 | 13,775,000 | 13,594,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 104,388,000 | 105,086,000 | 105,076,000 | 109,642,000 |
| Interest-bearing deposits | 95,848,000 | 95,165,000 | 95,540,000 | 100,255,000 |
| Noninterest-bearing deposits | 8,540,000 | 9,921,000 | 9,536,000 | 9,387,000 |
| Equity capital | 17,085,000 | 15,490,000 | 15,651,000 | 16,133,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 2,497,000 | 5,072,000 | 7,612,000 | 10,253,000 |
| Interest expense | 1,132,000 | 2,297,000 | 3,516,000 | 4,810,000 |
| Net interest income | 1,365,000 | 2,775,000 | 4,096,000 | 5,443,000 |
| Noninterest income | 169,000 | 378,000 | 593,000 | 808,000 |
| Noninterest expense | 961,000 | 1,889,000 | 2,820,000 | 3,755,000 |
| Provision for loan losses | 850,000 | 999,000 | 1,659,000 | 1,749,000 |
| Pretax income | -277,000 | 265,000 | 210,000 | 747,000 |
| Income tax | -90,000 | 35,000 | 25,000 | 213,000 |
| Net income | -187,000 | 230,000 | 185,000 | 534,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 16,952,000 | 15,288,000 | 15,736,000 | 16,175,000 |
| Total capital | 18,282,000 | 16,505,000 | 17,048,000 | 17,457,000 |
| Risk-weighted assets | 106,231,000 | 103,393,000 | 104,472,000 | 102,121,000 |