Call reports 2009
HOME LOAN SAVINGS BANK, THE — 2009
What HOME LOAN SAVINGS BANK, THE reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 163,947,000 | 160,445,000 | 160,276,000 | 161,675,000 |
| Total loans | 135,033,000 | 132,892,000 | 132,910,000 | 134,381,000 |
| Allowance for loan losses | 1,235,000 | 1,321,000 | 1,282,000 | 1,064,000 |
| Securities available for sale | 14,429,000 | 13,576,000 | 13,174,000 | 12,645,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 106,849,000 | 109,579,000 | 110,737,000 | 111,637,000 |
| Interest-bearing deposits | 98,034,000 | 102,230,000 | 103,951,000 | 104,843,000 |
| Noninterest-bearing deposits | 8,815,000 | 7,349,000 | 6,786,000 | 6,794,000 |
| Equity capital | 17,004,000 | 17,375,000 | 17,882,000 | 18,196,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 2,375,000 | 4,676,000 | 7,033,000 | 9,271,000 |
| Interest expense | 858,000 | 1,657,000 | 2,434,000 | 3,178,000 |
| Net interest income | 1,517,000 | 3,019,000 | 4,599,000 | 6,093,000 |
| Noninterest income | 200,000 | 446,000 | 697,000 | 924,000 |
| Noninterest expense | 994,000 | 2,029,000 | 3,055,000 | 4,103,000 |
| Provision for loan losses | 185,000 | 495,000 | 655,000 | 805,000 |
| Pretax income | 538,000 | 941,000 | 1,586,000 | 2,109,000 |
| Income tax | 183,000 | 191,000 | 409,000 | 588,000 |
| Net income | 355,000 | 750,000 | 1,177,000 | 1,521,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 16,709,000 | 17,105,000 | 17,531,000 | 17,877,000 |
| Total capital | 17,944,000 | 18,426,000 | 18,813,000 | 18,941,000 |
| Risk-weighted assets | 122,557,000 | 120,756,000 | 121,481,000 | 122,891,000 |