Call reports 2009
HOMESTAR BANK AND FINANCIAL SERVICES — 2009
What HOMESTAR BANK AND FINANCIAL SERVICES reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 470,964,000 | 466,363,000 | 458,870,000 | 439,787,000 |
| Total loans | 352,656,000 | 353,809,000 | 339,598,000 | 331,603,000 |
| Allowance for loan losses | 4,695,000 | 5,194,000 | 6,280,000 | 5,562,000 |
| Securities available for sale | 46,036,000 | 50,120,000 | 36,244,000 | 13,855,000 |
| Securities held to maturity | 0 | 0 | 0 | 400,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 377,984,000 | 373,351,000 | 369,182,000 | 363,317,000 |
| Interest-bearing deposits | 339,546,000 | 333,681,000 | 332,648,000 | 325,293,000 |
| Noninterest-bearing deposits | 38,438,000 | 39,670,000 | 36,534,000 | 38,024,000 |
| Equity capital | 36,562,000 | 37,111,000 | 37,240,000 | 35,139,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 5,556,000 | 11,288,000 | 16,776,000 | 22,013,000 |
| Interest expense | 2,544,000 | 4,788,000 | 6,810,000 | 8,466,000 |
| Net interest income | 3,012,000 | 6,500,000 | 9,966,000 | 13,547,000 |
| Noninterest income | 3,026,000 | 6,287,000 | 8,367,000 | 10,177,000 |
| Noninterest expense | 4,537,000 | 9,455,000 | 13,718,000 | 18,076,000 |
| Provision for loan losses | 1,490,000 | 2,941,000 | 4,331,000 | 7,110,000 |
| Pretax income | 788,000 | 1,499,000 | 1,892,000 | 412,000 |
| Income tax | 21,000 | 44,000 | 52,000 | 52,000 |
| Net income | 767,000 | 1,455,000 | 1,840,000 | 360,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 35,678,000 | 36,864,000 | 36,984,000 | 35,209,000 |
| Total capital | 40,209,000 | 41,409,000 | 41,475,000 | 39,530,000 |
| Risk-weighted assets | 362,352,000 | 362,922,000 | 357,463,000 | 344,440,000 |