Call reports 2009
HOMEBANK TEXAS — 2009
What HOMEBANK TEXAS reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 97,894,000 | 99,126,000 | 97,258,000 | 98,794,000 |
| Total loans | 67,609,000 | 73,159,000 | 72,163,000 | 71,596,000 |
| Allowance for loan losses | 636,000 | 691,000 | 816,000 | 774,000 |
| Securities available for sale | 4,099,000 | 1,080,000 | 1,081,000 | 11,080,000 |
| Securities held to maturity | 3,644,000 | 3,528,000 | 1,774,000 | 1,770,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 86,511,000 | 88,205,000 | 86,623,000 | 88,168,000 |
| Interest-bearing deposits | 55,812,000 | 57,334,000 | 59,322,000 | 58,866,000 |
| Noninterest-bearing deposits | 30,699,000 | 30,871,000 | 27,301,000 | 29,302,000 |
| Equity capital | 10,758,000 | 10,441,000 | 10,200,000 | 10,268,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 1,332,000 | 2,613,000 | 3,874,000 | 5,206,000 |
| Interest expense | 270,000 | 526,000 | 757,000 | 987,000 |
| Net interest income | 1,062,000 | 2,087,000 | 3,117,000 | 4,219,000 |
| Noninterest income | 75,000 | -57,000 | -124,000 | -3,000 |
| Noninterest expense | 1,071,000 | 2,194,000 | 3,423,000 | 4,482,000 |
| Provision for loan losses | 30,000 | 290,000 | 410,000 | 490,000 |
| Pretax income | 36,000 | -454,000 | -840,000 | -756,000 |
| Income tax | -2,000 | -182,000 | -320,000 | -299,000 |
| Net income | 38,000 | -272,000 | -520,000 | -457,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,059,000 | 9,749,000 | 9,501,000 | 9,564,000 |
| Total capital | 10,695,000 | 10,440,000 | 10,317,000 | 10,338,000 |
| Risk-weighted assets | 68,559,000 | 72,346,000 | 70,167,000 | 69,591,000 |