Call reports 2005
HOME SAVINGS BANK — 2005
What HOME SAVINGS BANK reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 2,280,130,000 | 2,359,419,000 | 2,434,541,000 | 2,489,539,000 |
| Total loans | 1,956,925,000 | 2,035,435,000 | 2,125,761,000 | 2,144,819,000 |
| Allowance for loan losses | 15,773,000 | 15,116,000 | 15,284,000 | 15,723,000 |
| Securities available for sale | 176,536,000 | 172,817,000 | 164,873,000 | 196,085,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 1,558,364,000 | 1,600,980,000 | 1,632,507,000 | 1,699,525,000 |
| Interest-bearing deposits | 1,462,699,000 | 1,497,776,000 | 1,528,940,000 | 1,585,594,000 |
| Noninterest-bearing deposits | 95,665,000 | 103,204,000 | 103,567,000 | 113,931,000 |
| Equity capital | 220,671,000 | 228,570,000 | 235,361,000 | 236,621,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 30,256,000 | 62,547,000 | 97,122,000 | 133,975,000 |
| Interest expense | 12,089,000 | 25,541,000 | 40,601,000 | 57,404,000 |
| Net interest income | 18,167,000 | 37,006,000 | 56,521,000 | 76,571,000 |
| Noninterest income | 2,299,000 | 5,486,000 | 8,701,000 | 11,626,000 |
| Noninterest expense | 12,858,000 | 25,510,000 | 38,120,000 | 52,015,000 |
| Provision for loan losses | 633,000 | 1,051,000 | 1,753,000 | 3,028,000 |
| Pretax income | 7,152,000 | 16,108,000 | 25,482,000 | 33,287,000 |
| Income tax | 2,391,000 | 5,410,000 | 8,592,000 | 11,284,000 |
| Net income | 4,761,000 | 10,698,000 | 16,890,000 | 22,003,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 186,024,000 | 192,861,000 | 200,470,000 | 203,220,000 |
| Total capital | 201,820,000 | 207,977,000 | 215,754,000 | 218,943,000 |
| Risk-weighted assets | 1,855,860,000 | 1,920,314,000 | 1,972,339,000 | 2,016,885,000 |