Call reports 2005
HOME TRUST & SAVINGS BANK, THE — 2005
What HOME TRUST & SAVINGS BANK, THE reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 130,615,000 | 126,715,000 | 124,770,000 | 126,485,000 |
| Total loans | 61,255,000 | 61,785,000 | 63,659,000 | 65,988,000 |
| Allowance for loan losses | 405,000 | 405,000 | 406,000 | 409,000 |
| Securities available for sale | 63,596,000 | 61,475,000 | 56,517,000 | 55,783,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 118,426,000 | 113,490,000 | 112,219,000 | 114,088,000 |
| Interest-bearing deposits | 112,663,000 | 107,731,000 | 106,154,000 | 106,058,000 |
| Noninterest-bearing deposits | 5,763,000 | 5,759,000 | 6,065,000 | 8,030,000 |
| Equity capital | 11,483,000 | 12,142,000 | 11,556,000 | 10,912,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 1,510,000 | 3,024,000 | 4,536,000 | 6,078,000 |
| Interest expense | 601,000 | 1,262,000 | 1,952,000 | 2,683,000 |
| Net interest income | 909,000 | 1,762,000 | 2,584,000 | 3,395,000 |
| Noninterest income | 73,000 | 104,000 | 212,000 | 245,000 |
| Noninterest expense | 407,000 | 840,000 | 1,244,000 | 1,651,000 |
| Provision for loan losses | 0 | 0 | 0 | 1,000 |
| Pretax income | 559,000 | 977,000 | 1,465,000 | 1,901,000 |
| Income tax | 39,000 | 78,000 | 117,000 | 93,000 |
| Net income | 520,000 | 899,000 | 1,348,000 | 1,808,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,985,000 | 12,906,000 | 12,917,000 | 12,531,000 |
| Total capital | 13,390,000 | 13,311,000 | 13,323,000 | 12,940,000 |
| Risk-weighted assets | 67,552,000 | 66,696,000 | 67,713,000 | 69,794,000 |