Call reports 2008
HOME LOAN SAVINGS BANK, THE — 2008
What HOME LOAN SAVINGS BANK, THE reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 163,225,000 | 167,118,000 | 167,197,000 | 162,721,000 |
| Total loans | 132,717,000 | 136,297,000 | 135,497,000 | 133,579,000 |
| Allowance for loan losses | 1,554,000 | 1,627,000 | 1,260,000 | 1,186,000 |
| Securities available for sale | 12,612,000 | 15,088,000 | 14,895,000 | 14,666,000 |
| Securities held to maturity | 2,002,000 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 110,406,000 | 110,056,000 | 106,213,000 | 102,271,000 |
| Interest-bearing deposits | 101,365,000 | 100,366,000 | 96,882,000 | 94,663,000 |
| Noninterest-bearing deposits | 9,041,000 | 9,690,000 | 9,331,000 | 7,608,000 |
| Equity capital | 16,731,000 | 17,111,000 | 17,539,000 | 18,009,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 2,552,000 | 5,065,000 | 7,618,000 | 10,047,000 |
| Interest expense | 1,211,000 | 2,321,000 | 3,345,000 | 4,311,000 |
| Net interest income | 1,341,000 | 2,744,000 | 4,273,000 | 5,736,000 |
| Noninterest income | 187,000 | 406,000 | 629,000 | 855,000 |
| Noninterest expense | 1,021,000 | 1,988,000 | 3,013,000 | 3,998,000 |
| Provision for loan losses | 70,000 | 140,000 | 295,000 | 485,000 |
| Pretax income | 437,000 | 1,022,000 | 1,594,000 | 2,108,000 |
| Income tax | 147,000 | 225,000 | 419,000 | 594,000 |
| Net income | 290,000 | 797,000 | 1,175,000 | 1,514,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 16,585,000 | 17,103,000 | 17,489,000 | 17,844,000 |
| Total capital | 18,123,000 | 18,659,000 | 18,749,000 | 19,030,000 |
| Risk-weighted assets | 123,053,000 | 126,498,000 | 126,493,000 | 121,651,000 |