Call reports 2004
HOMESTAR BANK AND FINANCIAL SERVICES — 2004
What HOMESTAR BANK AND FINANCIAL SERVICES reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 374,570,000 | 383,784,000 | 387,393,000 | 392,889,000 |
| Total loans | 227,986,000 | 245,870,000 | 252,113,000 | 259,255,000 |
| Allowance for loan losses | 2,159,000 | 2,164,000 | 2,246,000 | 2,414,000 |
| Securities available for sale | 67,502,000 | 68,017,000 | 66,936,000 | 64,855,000 |
| Securities held to maturity | 1,591,000 | 1,591,000 | 1,590,000 | 1,532,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 277,596,000 | 281,693,000 | 285,457,000 | 294,003,000 |
| Interest-bearing deposits | 251,611,000 | 257,622,000 | 260,735,000 | 265,042,000 |
| Noninterest-bearing deposits | 25,985,000 | 24,071,000 | 24,722,000 | 28,961,000 |
| Equity capital | 27,930,000 | 25,812,000 | 27,060,000 | 27,156,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 4,821,000 | 9,793,000 | 14,851,000 | 19,995,000 |
| Interest expense | 1,905,000 | 3,820,000 | 5,756,000 | 7,662,000 |
| Net interest income | 2,916,000 | 5,973,000 | 9,095,000 | 12,333,000 |
| Noninterest income | 1,506,000 | 2,667,000 | 3,994,000 | 5,188,000 |
| Noninterest expense | 3,030,000 | 6,202,000 | 9,432,000 | 12,545,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 1,392,000 | 2,438,000 | 3,657,000 | 4,976,000 |
| Income tax | -5,000 | 7,000 | 24,000 | 42,000 |
| Net income | 1,397,000 | 2,431,000 | 3,633,000 | 4,934,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 27,544,000 | 27,088,000 | 27,087,000 | 27,579,000 |
| Total capital | 29,703,000 | 29,252,000 | 29,332,000 | 29,993,000 |
| Risk-weighted assets | 242,342,000 | 250,474,000 | 261,578,000 | 272,772,000 |