Call reports 2007
HOMEBANK TEXAS — 2007
What HOMEBANK TEXAS 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 | 90,643,000 | 91,005,000 | 93,922,000 | 95,835,000 |
| Total loans | 60,428,000 | 62,679,000 | 66,863,000 | 65,324,000 |
| Allowance for loan losses | 579,000 | 579,000 | 592,000 | 589,000 |
| Securities available for sale | 11,196,000 | 6,923,000 | 4,974,000 | 4,003,000 |
| Securities held to maturity | 3,629,000 | 3,625,000 | 8,599,000 | 8,597,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 80,027,000 | 80,170,000 | 83,073,000 | 84,960,000 |
| Interest-bearing deposits | 50,014,000 | 48,966,000 | 51,222,000 | 52,685,000 |
| Noninterest-bearing deposits | 30,013,000 | 31,204,000 | 31,851,000 | 32,275,000 |
| Equity capital | 10,017,000 | 10,206,000 | 10,169,000 | 10,252,000 |
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 | 1,599,000 | 3,208,000 | 4,935,000 | 6,634,000 |
| Interest expense | 427,000 | 881,000 | 1,358,000 | 1,836,000 |
| Net interest income | 1,172,000 | 2,327,000 | 3,577,000 | 4,798,000 |
| Noninterest income | 118,000 | 243,000 | 325,000 | 364,000 |
| Noninterest expense | 1,067,000 | 2,090,000 | 3,151,000 | 4,361,000 |
| Provision for loan losses | 0 | 0 | 60,000 | 90,000 |
| Pretax income | 223,000 | 480,000 | 691,000 | 711,000 |
| Income tax | 62,000 | 136,000 | 187,000 | 135,000 |
| Net income | 161,000 | 344,000 | 504,000 | 576,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,344,000 | 9,527,000 | 9,466,000 | 9,538,000 |
| Total capital | 9,923,000 | 10,106,000 | 10,058,000 | 10,127,000 |
| Risk-weighted assets | 64,955,000 | 66,644,000 | 71,193,000 | 69,444,000 |