Call reports 2006
HOME SAVINGS BANK — 2006
What HOME SAVINGS BANK reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 2,561,190,000 | 2,607,179,000 | 2,646,434,000 | 2,681,391,000 |
| Total loans | 2,204,823,000 | 2,251,622,000 | 2,293,984,000 | 2,299,482,000 |
| Allowance for loan losses | 15,981,000 | 15,970,000 | 16,582,000 | 16,955,000 |
| Securities available for sale | 211,598,000 | 208,394,000 | 203,496,000 | 231,070,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 1,758,357,000 | 1,793,206,000 | 1,803,094,000 | 1,843,154,000 |
| Interest-bearing deposits | 1,646,257,000 | 1,675,276,000 | 1,693,212,000 | 1,720,442,000 |
| Noninterest-bearing deposits | 112,100,000 | 117,930,000 | 109,882,000 | 122,712,000 |
| Equity capital | 242,873,000 | 248,403,000 | 257,844,000 | 235,058,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 38,212,000 | 79,384,000 | 121,412,000 | 163,846,000 |
| Interest expense | 18,046,000 | 38,655,000 | 61,118,000 | 84,466,000 |
| Net interest income | 20,166,000 | 40,729,000 | 60,294,000 | 79,380,000 |
| Noninterest income | 2,844,000 | 5,847,000 | 9,517,000 | 12,916,000 |
| Noninterest expense | 13,265,000 | 26,516,000 | 39,098,000 | 51,839,000 |
| Provision for loan losses | 738,000 | 1,551,000 | 3,026,000 | 4,347,000 |
| Pretax income | 9,007,000 | 18,509,000 | 27,687,000 | 36,110,000 |
| Income tax | 3,135,000 | 6,495,000 | 9,779,000 | 12,818,000 |
| Net income | 5,872,000 | 12,014,000 | 17,908,000 | 23,292,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 210,136,000 | 217,271,000 | 224,577,000 | 201,490,000 |
| Total capital | 226,117,000 | 233,241,000 | 241,159,000 | 248,445,000 |
| Risk-weighted assets | 2,060,718,000 | 2,101,825,000 | 2,109,769,000 | 2,123,487,000 |