Call reports 2008
HOME SAVINGS BANK — 2008
What HOME SAVINGS BANK reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 2,716,625,000 | 2,738,757,000 | 2,720,180,000 | 2,615,433,000 |
| Total loans | 2,265,402,000 | 2,253,344,000 | 2,292,670,000 | 2,258,513,000 |
| Allowance for loan losses | 33,202,000 | 28,900,000 | 33,186,000 | 35,962,000 |
| Securities available for sale | 301,349,000 | 303,354,000 | 295,254,000 | 214,922,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 1,892,109,000 | 1,872,231,000 | 1,934,763,000 | 1,911,670,000 |
| Interest-bearing deposits | 1,766,299,000 | 1,739,522,000 | 1,811,605,000 | 1,779,697,000 |
| Noninterest-bearing deposits | 125,810,000 | 132,709,000 | 123,158,000 | 131,973,000 |
| Equity capital | 244,366,000 | 241,075,000 | 206,358,000 | 222,287,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 39,636,000 | 77,847,000 | 115,588,000 | 152,187,000 |
| Interest expense | 22,749,000 | 42,321,000 | 61,583,000 | 79,742,000 |
| Net interest income | 16,887,000 | 35,526,000 | 54,005,000 | 72,445,000 |
| Noninterest income | 5,274,000 | 8,134,000 | 10,797,000 | 9,882,000 |
| Noninterest expense | 14,408,000 | 28,793,000 | 77,785,000 | 92,164,000 |
| Provision for loan losses | 2,466,000 | 5,714,000 | 14,709,000 | 25,329,000 |
| Pretax income | 6,218,000 | 10,140,000 | -31,380,000 | -38,129,000 |
| Income tax | 2,173,000 | 3,463,000 | 531,000 | -1,935,000 |
| Net income | 4,045,000 | 6,677,000 | -31,911,000 | -36,194,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 206,636,000 | 209,485,000 | 205,413,000 | 217,630,000 |
| Total capital | 263,002,000 | 250,062,000 | 245,552,000 | 242,944,000 |
| Risk-weighted assets | 2,102,389,000 | 2,123,799,000 | 2,084,089,000 | 2,014,535,000 |