Call reports 2007
HOMESTAR BANK AND FINANCIAL SERVICES — 2007
What HOMESTAR BANK AND FINANCIAL SERVICES reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 454,722,000 | 460,086,000 | 467,443,000 | 462,816,000 |
| Total loans | 328,490,000 | 341,320,000 | 348,675,000 | 350,850,000 |
| Allowance for loan losses | 2,403,000 | 2,379,000 | 2,345,000 | 2,343,000 |
| Securities available for sale | 59,386,000 | 62,329,000 | 61,069,000 | 60,832,000 |
| Securities held to maturity | 1,214,000 | 1,214,000 | 1,214,000 | 1,104,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 351,992,000 | 350,951,000 | 365,140,000 | 343,928,000 |
| Interest-bearing deposits | 309,490,000 | 314,695,000 | 326,921,000 | 309,953,000 |
| Noninterest-bearing deposits | 42,502,000 | 36,256,000 | 38,219,000 | 33,975,000 |
| Equity capital | 34,934,000 | 34,386,000 | 35,609,000 | 36,149,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 6,953,000 | 13,986,000 | 21,246,000 | 28,316,000 |
| Interest expense | 3,595,000 | 7,237,000 | 11,064,000 | 14,840,000 |
| Net interest income | 3,358,000 | 6,749,000 | 10,182,000 | 13,476,000 |
| Noninterest income | 3,414,000 | 5,437,000 | 7,213,000 | 8,819,000 |
| Noninterest expense | 4,246,000 | 8,547,000 | 12,530,000 | 16,900,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 2,526,000 | 3,639,000 | 4,865,000 | 5,358,000 |
| Income tax | -31,000 | -22,000 | -9,000 | -5,000 |
| Net income | 2,557,000 | 3,661,000 | 4,874,000 | 5,363,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 35,637,000 | 35,553,000 | 36,024,000 | 35,690,000 |
| Total capital | 38,040,000 | 37,932,000 | 38,369,000 | 38,033,000 |
| Risk-weighted assets | 357,220,000 | 356,427,000 | 363,828,000 | 365,768,000 |