Call reports 2007
HOME TRUST & SAVINGS BANK, THE — 2007
What HOME TRUST & SAVINGS BANK, THE reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 132,755,000 | 132,340,000 | 135,988,000 | 140,334,000 |
| Total loans | 72,554,000 | 69,282,000 | 71,427,000 | 76,545,000 |
| Allowance for loan losses | 409,000 | 409,000 | 409,000 | 409,000 |
| Securities available for sale | 53,434,000 | 53,785,000 | 59,339,000 | 56,164,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 119,700,000 | 119,299,000 | 121,641,000 | 125,643,000 |
| Interest-bearing deposits | 113,170,000 | 112,186,000 | 113,310,000 | 115,822,000 |
| Noninterest-bearing deposits | 6,530,000 | 7,113,000 | 8,331,000 | 9,821,000 |
| Equity capital | 11,829,000 | 11,549,000 | 12,496,000 | 12,985,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 1,733,000 | 3,507,000 | 5,313,000 | 7,179,000 |
| Interest expense | 1,047,000 | 2,175,000 | 3,331,000 | 4,512,000 |
| Net interest income | 686,000 | 1,332,000 | 1,982,000 | 2,667,000 |
| Noninterest income | 37,000 | 74,000 | 100,000 | 131,000 |
| Noninterest expense | 482,000 | 917,000 | 1,341,000 | 1,766,000 |
| Provision for loan losses | 0 | 0 | 0 | 2,000 |
| Pretax income | 241,000 | 489,000 | 741,000 | 1,027,000 |
| Income tax | 39,000 | 78,000 | 117,000 | 51,000 |
| Net income | 202,000 | 411,000 | 624,000 | 976,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,847,000 | 12,855,000 | 12,858,000 | 12,654,000 |
| Total capital | 13,256,000 | 13,264,000 | 13,267,000 | 13,063,000 |
| Risk-weighted assets | 76,530,000 | 73,575,000 | 75,868,000 | 79,953,000 |