Call reports 2003
HOME SAVINGS BANK — 2003
What HOME SAVINGS BANK reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q3 | 2003Q4 |
|---|---|---|
| Total assets | 1,943,995,000 | 1,987,563,000 |
| Total loans | 1,583,748,000 | 1,631,617,000 |
| Allowance for loan losses | 15,973,000 | 15,111,000 |
| Securities available for sale | 227,364,000 | 219,647,000 |
| Securities held to maturity | 0 | 0 |
| Trading assets | 0 | 0 |
| Total deposits | 1,457,685,000 | 1,437,712,000 |
| Interest-bearing deposits | 1,368,791,000 | 1,360,489,000 |
| Noninterest-bearing deposits | 88,894,000 | 77,223,000 |
| Equity capital | 211,479,000 | 195,222,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q3 | 2003Q4 |
|---|---|---|
| Interest income | 84,296,000 | 110,507,000 |
| Interest expense | 32,010,000 | 41,723,000 |
| Net interest income | 52,286,000 | 68,784,000 |
| Noninterest income | 14,758,000 | 17,854,000 |
| Noninterest expense | 38,121,000 | 50,240,000 |
| Provision for loan losses | 2,969,000 | 3,179,000 |
| Pretax income | 26,450,000 | 34,058,000 |
| Income tax | 9,221,000 | 11,983,000 |
| Net income | 17,229,000 | 22,075,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q3 | 2003Q4 |
|---|---|---|
| Tier 1 capital | 172,757,000 | 157,160,000 |
| Total capital | 188,730,000 | 172,271,000 |
| Risk-weighted assets | 1,574,752,000 | 1,630,645,000 |