Call reports 2007
HOMESTEAD SAVINGS BANK — 2007
What HOMESTEAD 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 | 74,406,000 | 73,613,000 | 76,986,000 | 78,062,000 |
| Total loans | 55,289,000 | 55,707,000 | 56,280,000 | 56,945,000 |
| Allowance for loan losses | 218,000 | 220,000 | 226,000 | 228,000 |
| Securities available for sale | 9,311,000 | 8,272,000 | 9,420,000 | 9,355,000 |
| Securities held to maturity | 4,000 | 3,000 | 273,000 | 273,000 |
| Trading assets | 0 | 0 | 966,000 | 0 |
| Total deposits | 58,710,000 | 55,655,000 | 59,193,000 | 60,358,000 |
| Interest-bearing deposits | 52,604,000 | 50,318,000 | 53,993,000 | 55,342,000 |
| Noninterest-bearing deposits | 6,106,000 | 5,337,000 | 5,200,000 | 5,016,000 |
| Equity capital | 5,661,000 | 5,640,000 | 5,711,000 | 5,794,000 |
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 | 1,128,000 | 2,238,000 | 3,392,000 | 4,566,000 |
| Interest expense | 569,000 | 1,126,000 | 1,732,000 | 2,348,000 |
| Net interest income | 559,000 | 1,112,000 | 1,660,000 | 2,218,000 |
| Noninterest income | 155,000 | 323,000 | 445,000 | 570,000 |
| Noninterest expense | 667,000 | 1,341,000 | 1,982,000 | 2,632,000 |
| Provision for loan losses | 6,000 | 12,000 | 18,000 | 24,000 |
| Pretax income | 41,000 | 82,000 | 104,000 | 131,000 |
| Income tax | 13,000 | 24,000 | 29,000 | 37,000 |
| Net income | 28,000 | 58,000 | 75,000 | 94,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,720,000 | 5,747,000 | 5,753,000 | 5,771,000 |
| Total capital | 5,938,000 | 5,968,000 | 5,979,000 | 5,999,000 |
| Risk-weighted assets | 46,749,000 | 46,743,000 | 47,768,000 | 47,592,000 |
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