Call reports 2002
HOMEBANK TEXAS — 2002
What HOMEBANK TEXAS reported to the FFIEC in 2002, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Total assets | 88,619,000 | 89,102,000 | 90,646,000 | 84,692,000 |
| Total loans | 51,768,000 | 54,441,000 | 49,463,000 | 49,184,000 |
| Allowance for loan losses | 425,000 | 431,000 | 430,000 | 585,000 |
| Securities available for sale | 20,448,000 | 22,593,000 | 20,621,000 | 18,516,000 |
| Securities held to maturity | 3,186,000 | 3,184,000 | 3,142,000 | 3,139,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 78,842,000 | 78,918,000 | 80,301,000 | 74,283,000 |
| Interest-bearing deposits | 54,439,000 | 54,226,000 | 53,821,000 | 51,780,000 |
| Noninterest-bearing deposits | 24,403,000 | 24,692,000 | 26,480,000 | 22,503,000 |
| Equity capital | 9,201,000 | 9,559,000 | 9,660,000 | 9,848,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Interest income | 1,542,000 | 3,003,000 | 4,418,000 | 5,720,000 |
| Interest expense | 278,000 | 549,000 | 781,000 | 978,000 |
| Net interest income | 1,264,000 | 2,454,000 | 3,637,000 | 4,742,000 |
| Noninterest income | 194,000 | 382,000 | 574,000 | 1,083,000 |
| Noninterest expense | 1,011,000 | 2,019,000 | 3,061,000 | 4,181,000 |
| Provision for loan losses | 70,000 | 110,000 | 130,000 | 390,000 |
| Pretax income | 377,000 | 707,000 | 1,020,000 | 1,360,000 |
| Income tax | 114,000 | 211,000 | 304,000 | 388,000 |
| Net income | 263,000 | 496,000 | 716,000 | 972,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,371,000 | 8,599,000 | 8,624,000 | 8,880,000 |
| Total capital | 8,796,000 | 9,030,000 | 9,054,000 | 9,465,000 |
| Risk-weighted assets | 58,094,000 | 60,902,000 | 56,685,000 | 54,940,000 |