Call reports 2003
HOME TRUST & SAVINGS BANK, THE — 2003
What HOME TRUST & SAVINGS BANK, THE reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 138,840,000 | 138,315,000 | 136,797,000 | 135,214,000 |
| Total loans | 53,876,000 | 51,064,000 | 51,900,000 | 54,598,000 |
| Allowance for loan losses | 403,000 | 403,000 | 403,000 | 403,000 |
| Securities available for sale | 75,356,000 | 81,652,000 | 79,974,000 | 74,800,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 123,079,000 | 122,647,000 | 119,705,000 | 121,774,000 |
| Interest-bearing deposits | 116,730,000 | 117,836,000 | 114,658,000 | 113,970,000 |
| Noninterest-bearing deposits | 6,349,000 | 4,811,000 | 5,047,000 | 7,804,000 |
| Equity capital | 14,831,000 | 14,491,000 | 14,055,000 | 12,838,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 1,770,000 | 3,432,000 | 4,925,000 | 6,469,000 |
| Interest expense | 873,000 | 1,659,000 | 2,310,000 | 2,904,000 |
| Net interest income | 897,000 | 1,773,000 | 2,615,000 | 3,565,000 |
| Noninterest income | 35,000 | 62,000 | 102,000 | 143,000 |
| Noninterest expense | 377,000 | 758,000 | 1,106,000 | 1,533,000 |
| Provision for loan losses | 0 | 5,000 | 8,000 | 19,000 |
| Pretax income | 1,782,000 | 2,299,000 | 2,579,000 | 3,043,000 |
| Income tax | 28,000 | 56,000 | 85,000 | 152,000 |
| Net income | 1,754,000 | 2,243,000 | 2,494,000 | 2,891,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 13,092,000 | 12,929,000 | 13,127,000 | 12,289,000 |
| Total capital | 13,495,000 | 13,332,000 | 13,530,000 | 12,692,000 |
| Risk-weighted assets | 62,428,000 | 61,158,000 | 61,962,000 | 63,875,000 |