Call reports 2008
HOMESTAR BANK AND FINANCIAL SERVICES — 2008
What HOMESTAR BANK AND FINANCIAL SERVICES reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 467,195,000 | 470,932,000 | 478,326,000 | 464,199,000 |
| Total loans | 348,513,000 | 360,745,000 | 367,148,000 | 354,132,000 |
| Allowance for loan losses | 2,172,000 | 2,387,000 | 2,597,000 | 4,156,000 |
| Securities available for sale | 66,415,000 | 57,670,000 | 59,542,000 | 55,006,000 |
| Securities held to maturity | 1,104,000 | 1,104,000 | 1,105,000 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 344,676,000 | 351,081,000 | 366,052,000 | 360,067,000 |
| Interest-bearing deposits | 308,114,000 | 313,188,000 | 330,121,000 | 324,320,000 |
| Noninterest-bearing deposits | 36,562,000 | 37,893,000 | 35,931,000 | 35,748,000 |
| Equity capital | 37,017,000 | 36,132,000 | 38,887,000 | 37,139,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 6,844,000 | 13,343,000 | 19,844,000 | 26,078,000 |
| Interest expense | 3,462,000 | 6,502,000 | 9,350,000 | 12,130,000 |
| Net interest income | 3,382,000 | 6,841,000 | 10,494,000 | 13,948,000 |
| Noninterest income | 1,963,000 | 3,862,000 | 5,696,000 | 7,319,000 |
| Noninterest expense | 4,056,000 | 7,989,000 | 12,164,000 | 16,196,000 |
| Provision for loan losses | 125,000 | 337,000 | 537,000 | 6,023,000 |
| Pretax income | 1,164,000 | 2,372,000 | 3,945,000 | -414,000 |
| Income tax | 11,000 | 23,000 | 42,000 | -33,000 |
| Net income | 1,153,000 | 2,349,000 | 3,903,000 | -381,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 35,810,000 | 36,260,000 | 39,067,000 | 35,499,000 |
| Total capital | 37,982,000 | 38,647,000 | 41,664,000 | 39,655,000 |
| Risk-weighted assets | 361,810,000 | 371,665,000 | 376,665,000 | 366,581,000 |