Call reports 2002
HOMESTAR BANK AND FINANCIAL SERVICES — 2002
What HOMESTAR BANK AND FINANCIAL SERVICES 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 | 312,733,000 | 315,149,000 | 325,542,000 | 350,251,000 |
| Total loans | 226,160,000 | 228,048,000 | 239,951,000 | 263,666,000 |
| Allowance for loan losses | 2,168,000 | 2,378,000 | 2,250,000 | 2,307,000 |
| Securities available for sale | 33,250,000 | 32,561,000 | 34,829,000 | 34,723,000 |
| Securities held to maturity | 2,038,000 | 2,038,000 | 2,038,000 | 1,986,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 234,325,000 | 232,922,000 | 250,631,000 | 255,597,000 |
| Interest-bearing deposits | 214,341,000 | 210,619,000 | 223,924,000 | 231,758,000 |
| Noninterest-bearing deposits | 19,984,000 | 22,303,000 | 26,707,000 | 23,839,000 |
| Equity capital | 26,111,000 | 25,855,000 | 24,859,000 | 25,031,000 |
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 | 5,265,000 | 10,357,000 | 15,579,000 | 21,070,000 |
| Interest expense | 2,551,000 | 4,868,000 | 7,112,000 | 9,406,000 |
| Net interest income | 2,714,000 | 5,489,000 | 8,467,000 | 11,664,000 |
| Noninterest income | 1,996,000 | 2,764,000 | 4,350,000 | 5,829,000 |
| Noninterest expense | 2,332,000 | 4,859,000 | 8,035,000 | 11,037,000 |
| Provision for loan losses | 285,000 | 515,000 | 940,000 | 1,240,000 |
| Pretax income | 2,193,000 | 3,056,000 | 4,114,000 | 5,488,000 |
| Income tax | 33,000 | 49,000 | 64,000 | 152,000 |
| Net income | 2,160,000 | 3,007,000 | 4,050,000 | 5,336,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 26,177,000 | 25,506,000 | 23,908,000 | 24,124,000 |
| Total capital | 28,345,000 | 27,884,000 | 26,158,000 | 26,431,000 |
| Risk-weighted assets | 225,172,000 | 214,653,000 | 222,892,000 | 231,803,000 |