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Home Savings Bank, Income and Expense

2004-12-31 (YTD Data)		Rank
Total interest income	$5,167,000	4,732
Total interest expense	$2,505,000	3,059
Net interest income	$2,662,000	5,802
Provision for loan and lease losses	$60,000	5,645
Total noninterest income	$272,000	6,599
Gross Fiduciary activities income	$0	1,582
Service charges on deposit accounts	$86,000	6,680
Trading account gains and fees	$0	138
Additional Noninterest Income	$186,000	5,256
Total noninterest expense	$1,953,000	6,078
Salaries and employee benefits	$911,000	6,566
Premises and equipment expense	$129,000	7,601
Additional noninterest expense	$913,000	4,639
Pre-tax net operating income	$921,000	5,439
Securities gains (losses)	$0	3,819
Applicable income taxes	$325,000	4,061
Income before extraordinary items	$596,000	5,960
Extraordinary gains, net	$0	34
Net income	$596,000	5,963
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$45,000	4,768
Cash dividends	$0	6,149
Sale, conversion, retirement of capital stock, net	$0	872
Net operating income	$596,000	5,893
2004-09-30 (YTD Data)		Rank
Total interest income	$3,848,000	4,742
Total interest expense	$1,891,000	2,980
Net interest income	$1,957,000	5,862
Provision for loan and lease losses	$45,000	5,471
Total noninterest income	$188,000	6,794
Gross Fiduciary activities income	$0	1,547
Service charges on deposit accounts	$63,000	6,750
Trading account gains and fees	$0	134
Additional Noninterest Income	$125,000	5,493
Total noninterest expense	$1,421,000	6,145
Salaries and employee benefits	$645,000	6,712
Premises and equipment expense	$100,000	7,531
Additional noninterest expense	$676,000	4,654
Pre-tax net operating income	$679,000	5,582
Securities gains (losses)	$0	3,710
Applicable income taxes	$239,000	4,159
Income before extraordinary items	$440,000	6,110
Extraordinary gains, net	$0	26
Net income	$440,000	6,110
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$29,000	4,471
Cash dividends	$0	5,363
Sale, conversion, retirement of capital stock, net	$0	738
Net operating income	$440,000	6,028
2004-06-30 (YTD Data)		Rank
Total interest income	$2,548,000	4,775
Total interest expense	$1,269,000	2,956
Net interest income	$1,279,000	5,948
Provision for loan and lease losses	$30,000	5,293
Total noninterest income	$133,000	6,717
Gross Fiduciary activities income	$0	1,518
Service charges on deposit accounts	$42,000	6,783
Trading account gains and fees	$0	130
Additional Noninterest Income	$91,000	5,356
Total noninterest expense	$929,000	6,258
Salaries and employee benefits	$404,000	6,920
Premises and equipment expense	$68,000	7,517
Additional noninterest expense	$457,000	4,630
Pre-tax net operating income	$453,000	5,554
Securities gains (losses)	$0	3,413
Applicable income taxes	$156,000	4,181
Income before extraordinary items	$297,000	6,060
Extraordinary gains, net	$0	21
Net income	$297,000	6,061
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$14,000	4,514
Cash dividends	$0	5,087
Sale, conversion, retirement of capital stock, net	$0	638
Net operating income	$297,000	5,984
2004-03-31 (YTD Data)		Rank
Total interest income	$1,273,000	4,799
Total interest expense	$637,000	2,982
Net interest income	$636,000	5,950
Provision for loan and lease losses	$15,000	5,048
Total noninterest income	$56,000	7,006
Gross Fiduciary activities income	$0	1,441
Service charges on deposit accounts	$22,000	6,668
Trading account gains and fees	$0	121
Additional Noninterest Income	$34,000	5,872
Total noninterest expense	$494,000	6,085
Salaries and employee benefits	$205,000	6,912
Premises and equipment expense	$39,000	7,313
Additional noninterest expense	$250,000	4,318
Pre-tax net operating income	$183,000	6,018
Securities gains (losses)	$0	2,934
Applicable income taxes	$64,000	4,484
Income before extraordinary items	$119,000	6,534
Extraordinary gains, net	$0	16
Net income	$119,000	6,533
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$4,000	4,263
Cash dividends	$0	3,841
Sale, conversion, retirement of capital stock, net	$0	464
Net operating income	$119,000	6,416
2003-12-31 (YTD Data)		Rank
Total interest income	$5,479,000	4,582
Total interest expense	$2,789,000	3,057
Net interest income	$2,690,000	5,655
Provision for loan and lease losses	$60,000	5,969
Total noninterest income	$425,000	5,834
Gross Fiduciary activities income	$0	1,641
Service charges on deposit accounts	$78,000	6,931
Trading account gains and fees	$0	160
Additional Noninterest Income	$347,000	4,235
Total noninterest expense	$1,928,000	6,111
Salaries and employee benefits	$882,000	6,659
Premises and equipment expense	$160,000	7,260
Additional noninterest expense	$886,000	4,688
Pre-tax net operating income	$1,127,000	4,840
Securities gains (losses)	$0	4,500
Applicable income taxes	$364,000	3,959
Income before extraordinary items	$763,000	5,357
Extraordinary gains, net	$0	54
Net income	$763,000	5,357
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$67,000	4,681
Cash dividends	$0	6,283
Sale, conversion, retirement of capital stock, net	$0	868
Net operating income	$763,000	5,208
2003-09-30 (YTD Data)		Rank
Total interest income	$4,158,000	4,596
Total interest expense	$2,133,000	3,109
Net interest income	$2,025,000	5,680
Provision for loan and lease losses	$45,000	5,860
Total noninterest income	$367,000	5,531
Gross Fiduciary activities income	$0	1,599
Service charges on deposit accounts	$59,000	6,981
Trading account gains and fees	$0	153
Additional Noninterest Income	$308,000	3,995
Total noninterest expense	$1,440,000	6,088
Salaries and employee benefits	$642,000	6,736
Premises and equipment expense	$124,000	7,212
Additional noninterest expense	$674,000	4,591
Pre-tax net operating income	$907,000	4,809
Securities gains (losses)	$0	4,204
Applicable income taxes	$303,000	3,894
Income before extraordinary items	$604,000	5,376
Extraordinary gains, net	$0	40
Net income	$604,000	5,375
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$59,000	3,994
Cash dividends	$0	5,519
Sale, conversion, retirement of capital stock, net	$0	722
Net operating income	$604,000	5,193
2003-06-30 (YTD Data)		Rank
Total interest income	$2,831,000	4,567
Total interest expense	$1,445,000	3,163
Net interest income	$1,386,000	5,591
Provision for loan and lease losses	$30,000	5,740
Total noninterest income	$299,000	4,991
Gross Fiduciary activities income	$0	1,577
Service charges on deposit accounts	$40,000	6,948
Trading account gains and fees	$0	150
Additional Noninterest Income	$259,000	3,561
Total noninterest expense	$969,000	6,076
Salaries and employee benefits	$420,000	6,813
Premises and equipment expense	$84,000	7,192
Additional noninterest expense	$465,000	4,482
Pre-tax net operating income	$686,000	4,484
Securities gains (losses)	$0	3,782
Applicable income taxes	$230,000	3,698
Income before extraordinary items	$456,000	5,050
Extraordinary gains, net	$0	30
Net income	$456,000	5,050
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$28,000	4,181
Cash dividends	$0	5,215
Sale, conversion, retirement of capital stock, net	$0	589
Net operating income	$456,000	4,843
2003-03-31 (YTD Data)		Rank
Total interest income	$1,406,000	4,608
Total interest expense	$709,000	3,281
Net interest income	$697,000	5,560
Provision for loan and lease losses	$15,000	5,504
Total noninterest income	$74,000	6,601
Gross Fiduciary activities income	$0	1,504
Service charges on deposit accounts	$19,000	6,970
Trading account gains and fees	$0	134
Additional Noninterest Income	$55,000	5,085
Total noninterest expense	$487,000	6,087
Salaries and employee benefits	$199,000	6,991
Premises and equipment expense	$48,000	6,893
Additional noninterest expense	$240,000	4,349
Pre-tax net operating income	$269,000	5,079
Securities gains (losses)	$0	2,891
Applicable income taxes	$82,000	4,307
Income before extraordinary items	$187,000	5,483
Extraordinary gains, net	$0	21
Net income	$187,000	5,481
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-2,000	7,770
Cash dividends	$0	3,930
Sale, conversion, retirement of capital stock, net	$0	419
Net operating income	$187,000	5,290
2002-12-31 (YTD Data)		Rank
Total interest income	$5,563,000	4,804
Total interest expense	$2,895,000	3,621
Net interest income	$2,668,000	5,692
Provision for loan and lease losses	$89,000	5,940
Total noninterest income	$238,000	6,964
Gross Fiduciary activities income	$0	1,713
Service charges on deposit accounts	$83,000	6,881
Trading account gains and fees	$0	153
Additional Noninterest Income	$155,000	5,526
Total noninterest expense	$1,722,000	6,412
Salaries and employee benefits	$866,000	6,635
Premises and equipment expense	$152,000	7,415
Additional noninterest expense	$704,000	5,388
Pre-tax net operating income	$1,095,000	4,968
Securities gains (losses)	$0	4,537
Applicable income taxes	$392,000	3,926
Income before extraordinary items	$703,000	5,549
Extraordinary gains, net	$0	70
Net income	$703,000	5,548
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-5,000	8,689
Cash dividends	$0	6,377
Sale, conversion, retirement of capital stock, net	$0	862
Net operating income	$703,000	5,410
2001-12-31 (YTD Data)		Rank
Total interest income	$6,047,000	4,932
Total interest expense	$3,815,000	3,948
Net interest income	$2,232,000	6,080
Provision for loan and lease losses	$55,000	6,550
Total noninterest income	$169,000	7,646
Gross Fiduciary activities income	$0	1,731
Service charges on deposit accounts	$88,000	6,815
Trading account gains and fees	$0	177
Additional Noninterest Income	$81,000	6,856
Total noninterest expense	$3,357,000	3,962
Salaries and employee benefits	$709,000	7,168
Premises and equipment expense	$177,000	7,111
Additional noninterest expense	$2,471,000	1,850
Pre-tax net operating income	$-1,011,000	9,361
Securities gains (losses)	$0	4,612
Applicable income taxes	$216,000	4,891
Income before extraordinary items	$-1,227,000	9,463
Extraordinary gains, net	$0	105
Net income	$-1,227,000	9,463
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$29,000	5,877
Cash dividends	$0	6,617
Sale, conversion, retirement of capital stock, net	$0	922
Net operating income	$-1,227,000	9,428
2000-12-31 (YTD Data)		Rank
Total interest income	$6,263,000	4,935
Total interest expense	$3,659,000	4,256
Net interest income	$2,604,000	5,656
Provision for loan and lease losses	$55,000	6,399
Total noninterest income	$148,000	7,920
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$50,000	7,624
Trading account gains and fees	NA	NA
Additional Noninterest Income	$98,000	6,478
Total noninterest expense	$1,412,000	6,974
Salaries and employee benefits	$632,000	7,530
Premises and equipment expense	$191,000	6,904
Additional noninterest expense	$589,000	5,860
Pre-tax net operating income	$1,285,000	4,531
Securities gains (losses)	$0	1,956
Applicable income taxes	$433,000	3,818
Income before extraordinary items	$852,000	4,850
Extraordinary gains, net	$0	38
Net income	$852,000	4,848
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$46,000	4,889
Cash dividends	$0	6,853
Sale, conversion, retirement of capital stock, net	$0	969
Net operating income	$852,000	4,861
1999-12-31 (YTD Data)		Rank
Total interest income	$5,777,000	5,076
Total interest expense	$3,432,000	4,114
Net interest income	$2,345,000	6,029
Provision for loan and lease losses	$0	8,503
Total noninterest income	$125,000	8,461
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$46,000	7,941
Trading account gains and fees	NA	NA
Additional Noninterest Income	$79,000	7,173
Total noninterest expense	$1,497,000	6,790
Salaries and employee benefits	$596,000	7,778
Premises and equipment expense	$186,000	7,034
Additional noninterest expense	$715,000	5,172
Pre-tax net operating income	$973,000	5,389
Securities gains (losses)	$0	3,155
Applicable income taxes	$340,000	4,537
Income before extraordinary items	$633,000	5,747
Extraordinary gains, net	$0	35
Net income	$633,000	5,745
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$13,000	6,573
Cash dividends	$0	7,131
Sale, conversion, retirement of capital stock, net	$0	1,035
Net operating income	$633,000	5,712
1998-12-31 (YTD Data)		Rank
Total interest income	$5,750,000	5,160
Total interest expense	$3,308,000	4,363
Net interest income	$2,442,000	5,928
Provision for loan and lease losses	$15,000	7,946
Total noninterest income	$137,000	8,440
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$53,000	7,959
Trading account gains and fees	NA	NA
Additional Noninterest Income	$84,000	7,070
Total noninterest expense	$1,306,000	7,232
Salaries and employee benefits	$549,000	8,055
Premises and equipment expense	$129,000	8,085
Additional noninterest expense	$628,000	5,570
Pre-tax net operating income	$1,258,000	4,736
Securities gains (losses)	$0	4,449
Applicable income taxes	$467,000	4,027
Income before extraordinary items	$791,000	5,223
Extraordinary gains, net	$0	32
Net income	$791,000	5,223
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$26,000	5,973
Cash dividends	$0	7,473
Sale, conversion, retirement of capital stock, net	$0	1,027
Net operating income	$791,000	5,131
1997-12-31 (YTD Data)		Rank
Total interest income	$5,450,000	5,444
Total interest expense	$2,976,000	4,751
Net interest income	$2,474,000	6,089
Provision for loan and lease losses	$80,000	5,644
Total noninterest income	$124,000	8,990
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$52,000	8,373
Trading account gains and fees	NA	NA
Additional Noninterest Income	$72,000	7,635
Total noninterest expense	$1,180,000	7,734
Salaries and employee benefits	$515,000	8,499
Premises and equipment expense	$134,000	8,154
Additional noninterest expense	$531,000	6,270
Pre-tax net operating income	$1,338,000	4,868
Securities gains (losses)	$0	3,944
Applicable income taxes	$449,000	4,540
Income before extraordinary items	$889,000	5,093
Extraordinary gains, net	$0	44
Net income	$889,000	5,095
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$14,000	7,011
Cash dividends	$0	7,871
Sale, conversion, retirement of capital stock, net	$0	1,030
Net operating income	$889,000	5,045
1996-12-31 (YTD Data)		Rank
Total interest income	$5,253,000	5,718
Total interest expense	$2,866,000	4,974
Net interest income	$2,387,000	6,404
Provision for loan and lease losses	$0	9,041
Total noninterest income	$122,000	9,497
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$43,000	9,024
Trading account gains and fees	NA	NA
Additional Noninterest Income	$79,000	7,772
Total noninterest expense	$1,596,000	6,857
Salaries and employee benefits	$415,000	9,502
Premises and equipment expense	$109,000	9,055
Additional noninterest expense	$1,072,000	4,165
Pre-tax net operating income	$913,000	6,045
Securities gains (losses)	$0	4,148
Applicable income taxes	$379,000	5,064
Income before extraordinary items	$534,000	6,670
Extraordinary gains, net	$0	53
Net income	$534,000	6,673
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$22,000	6,621
Cash dividends	$0	8,336
Sale, conversion, retirement of capital stock, net	$0	953
Net operating income	$534,000	6,610
1995-12-31 (YTD Data)		Rank
Total interest income	$5,074,000	5,920
Total interest expense	$2,659,000	5,293
Net interest income	$2,415,000	6,453
Provision for loan and lease losses	$29,000	7,212
Total noninterest income	$87,000	10,576
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$32,000	9,747
Trading account gains and fees	NA	NA
Additional Noninterest Income	$55,000	8,981
Total noninterest expense	$1,160,000	8,350
Salaries and employee benefits	$368,000	10,188
Premises and equipment expense	$86,000	10,034
Additional noninterest expense	$706,000	5,809
Pre-tax net operating income	$1,313,000	4,925
Securities gains (losses)	$0	3,831
Applicable income taxes	$489,000	4,266
Income before extraordinary items	$824,000	5,334
Extraordinary gains, net	$0	65
Net income	$824,000	5,330
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$4,000	8,178
Cash dividends	$0	8,717
Sale, conversion, retirement of capital stock, net	$0	809
Net operating income	$824,000	5,310
1994-12-31 (YTD Data)		Rank
Total interest income	$4,766,000	5,881
Total interest expense	$2,344,000	4,906
Net interest income	$2,422,000	6,621
Provision for loan and lease losses	$87,000	4,874
Total noninterest income	$121,000	10,271
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$20,000	10,549
Trading account gains and fees	NA	NA
Additional Noninterest Income	$101,000	7,482
Total noninterest expense	$1,007,000	9,314
Salaries and employee benefits	$346,000	10,782
Premises and equipment expense	$84,000	10,524
Additional noninterest expense	$577,000	7,202
Pre-tax net operating income	$1,449,000	4,538
Securities gains (losses)	$0	3,600
Applicable income taxes	$520,000	3,938
Income before extraordinary items	$929,000	4,781
Extraordinary gains, net	$0	249
Net income	$929,000	4,787
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$0	8,921
Cash dividends	$0	8,932
Sale, conversion, retirement of capital stock, net	$0	1,160
Net operating income	$929,000	4,831
1993-12-31 (YTD Data)		Rank
Total interest income	$4,630,000	6,172
Total interest expense	$2,352,000	5,065
Net interest income	$2,278,000	6,972
Provision for loan and lease losses	$33,000	8,295
Total noninterest income	$120,000	10,833
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$17,000	11,075
Trading account gains and fees	NA	NA
Additional Noninterest Income	$103,000	7,775
Total noninterest expense	$820,000	10,565
Salaries and employee benefits	$313,000	11,521
Premises and equipment expense	$79,000	11,181
Additional noninterest expense	$428,000	8,947
Pre-tax net operating income	$1,545,000	4,204
Securities gains (losses)	$0	7,477
Applicable income taxes	$590,000	3,661
Income before extraordinary items	$955,000	4,859
Extraordinary gains, net	$0	3,149
Net income	$955,000	5,006
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$3,000	9,413
Cash dividends	$0	9,081
Sale, conversion, retirement of capital stock, net	$0	1,223
Net operating income	$955,000	4,630
1992-12-31 (YTD Data)		Rank
Total interest income	$4,587,000	6,785
Total interest expense	$2,529,000	5,938
Net interest income	$2,058,000	7,593
Provision for loan and lease losses	$0	11,756
Total noninterest income	$187,000	9,674
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	NA	NA
Trading account gains and fees	$0	504
Additional Noninterest Income	$187,000	5,899
Total noninterest expense	$816,000	10,931
Salaries and employee benefits	$348,000	11,460
Premises and equipment expense	$145,000	9,267
Additional noninterest expense	$323,000	10,520
Pre-tax net operating income	$1,428,000	4,234
Securities gains (losses)	$4,000	7,235
Applicable income taxes	$523,000	3,848
Income before extraordinary items	$909,000	4,896
Extraordinary gains, net	$0	1,422
Net income	$909,000	4,946
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$0	11,197
Cash dividends	$0	8,912
Sale, conversion, retirement of capital stock, net	$0	1,165
Net operating income	$906,440	4,585

* The data above is accumulated from the beginning of the year to the date posted. The data for Dec. 31 is the number for the entire year.