Call reports 2008
HOME TRUST & SAVINGS BANK, THE — 2008
What HOME TRUST & SAVINGS BANK, THE reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 145,880,000 | 152,498,000 | 147,847,000 | 154,205,000 |
| Total loans | 77,004,000 | 77,588,000 | 75,016,000 | 75,739,000 |
| Allowance for loan losses | 409,000 | 409,000 | 509,000 | 509,000 |
| Securities available for sale | 60,828,000 | 60,947,000 | 66,354,000 | 69,260,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 130,019,000 | 138,238,000 | 133,116,000 | 136,686,000 |
| Interest-bearing deposits | 122,533,000 | 126,948,000 | 123,595,000 | 125,265,000 |
| Noninterest-bearing deposits | 7,486,000 | 11,290,000 | 9,521,000 | 11,421,000 |
| Equity capital | 14,388,000 | 13,032,000 | 13,653,000 | 15,985,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 1,871,000 | 3,682,000 | 5,490,000 | 7,302,000 |
| Interest expense | 1,112,000 | 2,087,000 | 3,000,000 | 3,869,000 |
| Net interest income | 759,000 | 1,595,000 | 2,490,000 | 3,433,000 |
| Noninterest income | 39,000 | 69,000 | 103,000 | 132,000 |
| Noninterest expense | 474,000 | 922,000 | 1,381,000 | 1,849,000 |
| Provision for loan losses | 0 | 0 | 100,000 | 100,000 |
| Pretax income | 310,000 | 728,000 | 1,098,000 | 1,602,000 |
| Income tax | 14,000 | 28,000 | 49,000 | 86,000 |
| Net income | 296,000 | 700,000 | 1,049,000 | 1,516,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,950,000 | 13,065,000 | 13,125,000 | 12,656,000 |
| Total capital | 13,359,000 | 13,474,000 | 13,634,000 | 13,165,000 |
| Risk-weighted assets | 81,593,000 | 83,442,000 | 80,585,000 | 81,331,000 |