Call reports 2025
HOME LOAN SAVINGS BANK, THE — 2025
What HOME LOAN SAVINGS BANK, THE reported to the FFIEC in 2025, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Total assets | 351,946,000 | 361,409,000 | 370,069,000 | 376,010,000 |
| Total loans | 321,049,000 | 327,980,000 | 335,587,000 | 343,094,000 |
| Allowance for loan losses | 3,873,000 | 3,971,000 | 4,118,000 | 4,157,000 |
| Securities available for sale | 11,320,000 | 12,153,000 | 11,986,000 | 12,273,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 278,569,000 | 287,986,000 | 294,084,000 | 307,370,000 |
| Interest-bearing deposits | 240,938,000 | 248,000,000 | 253,653,000 | 270,042,000 |
| Noninterest-bearing deposits | 37,631,000 | 39,986,000 | 40,431,000 | 37,328,000 |
| Equity capital | 40,041,000 | 39,105,000 | 41,135,000 | 43,322,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Interest income | 5,910,000 | 12,043,000 | 18,429,000 | 25,023,000 |
| Interest expense | 1,827,000 | 3,676,000 | 5,569,000 | 7,448,000 |
| Net interest income | 4,083,000 | 8,367,000 | 12,860,000 | 17,575,000 |
| Noninterest income | 277,000 | 563,000 | 894,000 | 1,409,000 |
| Noninterest expense | 2,103,000 | 4,053,000 | 6,224,000 | 8,229,000 |
| Provision for loan losses | 160,000 | 425,000 | 605,000 | 1,105,000 |
| Pretax income | 2,097,000 | 4,452,000 | 6,925,000 | 9,650,000 |
| Income tax | 440,000 | 807,000 | 1,327,000 | 1,899,000 |
| Net income | 1,657,000 | 3,645,000 | 5,598,000 | 7,751,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 40,109,000 | 39,128,000 | 41,111,000 | 43,284,000 |
| Total capital | 43,629,000 | 42,738,000 | 44,823,000 | 47,037,000 |
| Risk-weighted assets | 281,273,000 | 288,403,000 | 296,558,000 | 299,861,000 |