Call reports 2007
HOME LOAN SAVINGS BANK, THE — 2007
What HOME LOAN SAVINGS BANK, THE reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 162,359,000 | 158,829,000 | 157,440,000 | 160,177,000 |
| Total loans | 124,899,000 | 129,075,000 | 129,342,000 | 130,968,000 |
| Allowance for loan losses | 1,116,000 | 1,651,000 | 1,669,000 | 1,625,000 |
| Securities available for sale | 13,356,000 | 13,435,000 | 13,285,000 | 11,231,000 |
| Securities held to maturity | 0 | 0 | 0 | 2,004,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 113,822,000 | 112,822,000 | 108,612,000 | 109,378,000 |
| Interest-bearing deposits | 101,681,000 | 103,076,000 | 99,645,000 | 100,854,000 |
| Noninterest-bearing deposits | 12,141,000 | 9,746,000 | 8,967,000 | 8,524,000 |
| Equity capital | 16,492,000 | 16,552,000 | 16,961,000 | 17,315,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 2,565,000 | 5,180,000 | 7,759,000 | 10,367,000 |
| Interest expense | 1,307,000 | 2,622,000 | 3,894,000 | 5,187,000 |
| Net interest income | 1,258,000 | 2,558,000 | 3,865,000 | 5,180,000 |
| Noninterest income | 209,000 | 456,000 | 600,000 | 802,000 |
| Noninterest expense | 986,000 | 2,076,000 | 2,994,000 | 4,004,000 |
| Provision for loan losses | 75,000 | 610,000 | 683,000 | 772,000 |
| Pretax income | 406,000 | 328,000 | 788,000 | 1,206,000 |
| Income tax | 140,000 | 40,000 | 200,000 | 341,000 |
| Net income | 266,000 | 288,000 | 588,000 | 865,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 16,540,000 | 16,682,000 | 16,999,000 | 17,286,000 |
| Total capital | 17,656,000 | 18,046,000 | 18,478,000 | 18,804,000 |
| Risk-weighted assets | 120,260,000 | 108,911,000 | 118,101,000 | 121,371,000 |