Call reports 2005
HOMESTAR BANK AND FINANCIAL SERVICES — 2005
What HOMESTAR BANK AND FINANCIAL SERVICES reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 400,451,000 | 405,683,000 | 412,390,000 | 439,031,000 |
| Total loans | 267,966,000 | 284,140,000 | 298,119,000 | 311,538,000 |
| Allowance for loan losses | 2,411,000 | 2,422,000 | 2,463,000 | 2,421,000 |
| Securities available for sale | 61,208,000 | 45,704,000 | 44,469,000 | 53,901,000 |
| Securities held to maturity | 1,342,000 | 1,342,000 | 1,342,000 | 1,280,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 298,494,000 | 300,880,000 | 311,239,000 | 321,411,000 |
| Interest-bearing deposits | 265,586,000 | 262,920,000 | 278,637,000 | 282,490,000 |
| Noninterest-bearing deposits | 32,908,000 | 37,960,000 | 32,602,000 | 38,921,000 |
| Equity capital | 27,145,000 | 26,954,000 | 28,127,000 | 30,451,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 5,269,000 | 10,644,000 | 16,328,000 | 22,193,000 |
| Interest expense | 1,925,000 | 3,980,000 | 6,256,000 | 8,777,000 |
| Net interest income | 3,344,000 | 6,664,000 | 10,072,000 | 13,416,000 |
| Noninterest income | 1,198,000 | 2,374,000 | 3,884,000 | 4,898,000 |
| Noninterest expense | 3,221,000 | 6,629,000 | 10,120,000 | 13,882,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 1,321,000 | 2,282,000 | 3,709,000 | 4,305,000 |
| Income tax | 17,000 | 30,000 | 49,000 | 56,000 |
| Net income | 1,304,000 | 2,252,000 | 3,660,000 | 4,249,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 28,328,000 | 27,366,000 | 28,898,000 | 31,371,000 |
| Total capital | 30,739,000 | 29,788,000 | 31,361,000 | 33,792,000 |
| Risk-weighted assets | 282,198,000 | 292,732,000 | 304,950,000 | 320,106,000 |