Call reports 2008
HOMEBANK TEXAS — 2008
What HOMEBANK TEXAS 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 | 96,752,000 | 96,560,000 | 98,134,000 | 93,022,000 |
| Total loans | 66,458,000 | 62,809,000 | 62,207,000 | 65,983,000 |
| Allowance for loan losses | 591,000 | 613,000 | 613,000 | 613,000 |
| Securities available for sale | 4,032,000 | 12,008,000 | 10,095,000 | 5,632,000 |
| Securities held to maturity | 7,756,000 | 7,332,000 | 7,093,000 | 6,665,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 85,733,000 | 85,536,000 | 87,038,000 | 81,786,000 |
| Interest-bearing deposits | 51,537,000 | 53,761,000 | 55,445,000 | 54,916,000 |
| Noninterest-bearing deposits | 34,196,000 | 31,775,000 | 31,593,000 | 26,870,000 |
| Equity capital | 10,420,000 | 10,500,000 | 10,578,000 | 10,737,000 |
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 | 1,574,000 | 3,056,000 | 4,537,000 | 5,941,000 |
| Interest expense | 385,000 | 737,000 | 1,092,000 | 1,418,000 |
| Net interest income | 1,189,000 | 2,319,000 | 3,445,000 | 4,523,000 |
| Noninterest income | 106,000 | 181,000 | 233,000 | 315,000 |
| Noninterest expense | 1,047,000 | 2,074,000 | 3,121,000 | 4,323,000 |
| Provision for loan losses | 60,000 | 120,000 | 170,000 | 170,000 |
| Pretax income | 188,000 | 306,000 | 387,000 | 590,000 |
| Income tax | 36,000 | 54,000 | 61,000 | 107,000 |
| Net income | 152,000 | 252,000 | 326,000 | 483,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,690,000 | 9,790,000 | 9,864,000 | 10,021,000 |
| Total capital | 10,281,000 | 10,402,000 | 10,477,000 | 10,634,000 |
| Risk-weighted assets | 69,756,000 | 66,521,000 | 67,499,000 | 70,419,000 |