Call reports 2007
HOME SAVINGS BANK — 2007
What HOME SAVINGS BANK reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 2,690,247,000 | 2,685,648,000 | 2,723,336,000 | 2,751,545,000 |
| Total loans | 2,289,878,000 | 2,287,769,000 | 2,334,348,000 | 2,358,974,000 |
| Allowance for loan losses | 18,562,000 | 19,395,000 | 23,807,000 | 32,006,000 |
| Securities available for sale | 253,015,000 | 242,149,000 | 234,964,000 | 237,971,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 1,844,964,000 | 1,820,597,000 | 1,798,354,000 | 1,904,089,000 |
| Interest-bearing deposits | 1,725,088,000 | 1,696,890,000 | 1,680,333,000 | 1,768,774,000 |
| Noninterest-bearing deposits | 119,876,000 | 123,707,000 | 118,021,000 | 135,315,000 |
| Equity capital | 240,466,000 | 241,804,000 | 247,202,000 | 237,430,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 42,572,000 | 84,272,000 | 126,369,000 | 168,791,000 |
| Interest expense | 23,838,000 | 47,963,000 | 72,598,000 | 97,321,000 |
| Net interest income | 18,734,000 | 36,309,000 | 53,771,000 | 71,470,000 |
| Noninterest income | 3,545,000 | 7,160,000 | 11,237,000 | 14,123,000 |
| Noninterest expense | 13,509,000 | 26,772,000 | 39,695,000 | 53,098,000 |
| Provision for loan losses | 2,325,000 | 5,069,000 | 10,432,000 | 28,750,000 |
| Pretax income | 6,445,000 | 11,628,000 | 14,881,000 | 3,724,000 |
| Income tax | 2,301,000 | 4,186,000 | 5,270,000 | 1,180,000 |
| Net income | 4,144,000 | 7,442,000 | 9,611,000 | 2,544,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 206,718,000 | 210,888,000 | 214,068,000 | 201,778,000 |
| Total capital | 255,280,000 | 260,283,000 | 267,875,000 | 259,087,000 |
| Risk-weighted assets | 2,134,449,000 | 2,117,992,000 | 2,153,311,000 | 2,179,984,000 |