Call reports 2010
HOME TRUST & SAVINGS BANK, THE — 2010
What HOME TRUST & SAVINGS BANK, THE reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 166,307,000 | 166,900,000 | 176,582,000 | 184,756,000 |
| Total loans | 89,676,000 | 90,124,000 | 92,581,000 | 98,023,000 |
| Allowance for loan losses | 700,000 | 737,000 | 773,000 | 809,000 |
| Securities available for sale | 70,715,000 | 67,889,000 | 63,991,000 | 62,443,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 147,324,000 | 147,584,000 | 155,581,000 | 163,853,000 |
| Interest-bearing deposits | 137,986,000 | 137,468,000 | 146,646,000 | 150,877,000 |
| Noninterest-bearing deposits | 9,338,000 | 10,116,000 | 8,935,000 | 12,976,000 |
| Equity capital | 16,233,000 | 17,605,000 | 18,267,000 | 17,079,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 1,851,000 | 3,683,000 | 5,523,000 | 7,364,000 |
| Interest expense | 656,000 | 1,308,000 | 1,971,000 | 2,659,000 |
| Net interest income | 1,195,000 | 2,375,000 | 3,552,000 | 4,705,000 |
| Noninterest income | 31,000 | 56,000 | 78,000 | 108,000 |
| Noninterest expense | 538,000 | 1,063,000 | 1,586,000 | 2,166,000 |
| Provision for loan losses | 41,000 | 78,000 | 114,000 | 150,000 |
| Pretax income | 647,000 | 1,290,000 | 1,930,000 | 2,497,000 |
| Income tax | 24,000 | 51,000 | 78,000 | 108,000 |
| Net income | 623,000 | 1,239,000 | 1,852,000 | 2,389,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 13,921,000 | 14,255,000 | 14,550,000 | 14,416,000 |
| Total capital | 14,621,000 | 14,992,000 | 15,323,000 | 15,225,000 |
| Risk-weighted assets | 94,725,000 | 95,016,000 | 99,025,000 | 104,823,000 |