Call reports 2006
HOMESTAR BANK AND FINANCIAL SERVICES — 2006
What HOMESTAR BANK AND FINANCIAL SERVICES reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 464,821,000 | 463,682,000 | 471,212,000 | 461,834,000 |
| Total loans | 324,807,000 | 338,054,000 | 339,564,000 | 342,541,000 |
| Allowance for loan losses | 2,416,000 | 2,389,000 | 2,387,000 | 2,401,000 |
| Securities available for sale | 51,877,000 | 65,423,000 | 64,963,000 | 61,256,000 |
| Securities held to maturity | 1,280,000 | 1,280,000 | 1,280,000 | 1,215,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 361,861,000 | 346,063,000 | 356,805,000 | 357,750,000 |
| Interest-bearing deposits | 321,337,000 | 309,832,000 | 315,613,000 | 323,658,000 |
| Noninterest-bearing deposits | 40,524,000 | 36,231,000 | 41,192,000 | 34,092,000 |
| Equity capital | 30,600,000 | 31,027,000 | 33,149,000 | 33,957,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 6,204,000 | 12,842,000 | 19,839,000 | 26,839,000 |
| Interest expense | 2,946,000 | 6,223,000 | 9,755,000 | 13,479,000 |
| Net interest income | 3,258,000 | 6,619,000 | 10,084,000 | 13,360,000 |
| Noninterest income | 1,082,000 | 2,223,000 | 3,516,000 | 4,868,000 |
| Noninterest expense | 3,642,000 | 7,267,000 | 10,852,000 | 14,598,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 698,000 | 1,575,000 | 2,748,000 | 3,630,000 |
| Income tax | 7,000 | 14,000 | 22,000 | 31,000 |
| Net income | 691,000 | 1,561,000 | 2,726,000 | 3,599,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 32,031,000 | 33,027,000 | 34,239,000 | 34,821,000 |
| Total capital | 34,447,000 | 35,416,000 | 36,626,000 | 37,222,000 |
| Risk-weighted assets | 336,302,000 | 358,212,000 | 354,137,000 | 359,407,000 |