Call reports 2004
HOME SAVINGS BANK — 2004
What HOME SAVINGS BANK reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 2,027,402,000 | 2,127,378,000 | 2,173,204,000 | 2,228,783,000 |
| Total loans | 1,708,329,000 | 1,790,780,000 | 1,858,426,000 | 1,892,625,000 |
| Allowance for loan losses | 15,253,000 | 16,306,000 | 25,128,000 | 15,877,000 |
| Securities available for sale | 183,647,000 | 191,346,000 | 182,273,000 | 190,184,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 1,439,743,000 | 1,462,628,000 | 1,514,435,000 | 1,537,923,000 |
| Interest-bearing deposits | 1,359,160,000 | 1,377,892,000 | 1,429,688,000 | 1,438,180,000 |
| Noninterest-bearing deposits | 80,583,000 | 84,736,000 | 84,747,000 | 99,743,000 |
| Equity capital | 201,723,000 | 205,170,000 | 207,936,000 | 216,840,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 27,394,000 | 55,434,000 | 84,580,000 | 114,451,000 |
| Interest expense | 9,421,000 | 19,225,000 | 29,998,000 | 41,537,000 |
| Net interest income | 17,973,000 | 36,209,000 | 54,582,000 | 72,914,000 |
| Noninterest income | 2,437,000 | 4,751,000 | 6,579,000 | 8,940,000 |
| Noninterest expense | 12,747,000 | 24,787,000 | 35,834,000 | 47,091,000 |
| Provision for loan losses | 459,000 | 1,828,000 | 11,053,000 | 9,370,000 |
| Pretax income | 7,530,000 | 14,671,000 | 14,599,000 | 24,350,000 |
| Income tax | 2,600,000 | 5,064,000 | 4,994,000 | 8,141,000 |
| Net income | 4,930,000 | 9,607,000 | 9,605,000 | 16,209,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 163,392,000 | 169,183,000 | 170,630,000 | 180,268,000 |
| Total capital | 178,645,000 | 185,489,000 | 193,323,000 | 196,145,000 |
| Risk-weighted assets | 1,688,189,000 | 1,782,989,000 | 1,813,009,000 | 1,817,606,000 |