Call reports 2010
HOMESTAR BANK AND FINANCIAL SERVICES — 2010
What HOMESTAR BANK AND FINANCIAL SERVICES reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 426,171,000 | 420,005,000 | 422,416,000 | 394,266,000 |
| Total loans | 315,797,000 | 306,578,000 | 294,402,000 | 278,315,000 |
| Allowance for loan losses | 6,805,000 | 6,925,000 | 5,576,000 | 7,384,000 |
| Securities available for sale | 22,670,000 | 13,588,000 | 11,662,000 | 11,389,000 |
| Securities held to maturity | 400,000 | 400,000 | 400,000 | 400,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 355,854,000 | 355,835,000 | 364,568,000 | 351,694,000 |
| Interest-bearing deposits | 316,511,000 | 317,012,000 | 325,173,000 | 310,593,000 |
| Noninterest-bearing deposits | 39,343,000 | 38,823,000 | 39,395,000 | 41,101,000 |
| Equity capital | 29,748,000 | 29,845,000 | 24,386,000 | 19,572,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 4,682,000 | 9,265,000 | 13,287,000 | 17,314,000 |
| Interest expense | 1,291,000 | 2,449,000 | 3,500,000 | 4,418,000 |
| Net interest income | 3,391,000 | 6,816,000 | 9,787,000 | 12,896,000 |
| Noninterest income | 1,899,000 | 3,770,000 | 5,169,000 | 8,373,000 |
| Noninterest expense | 4,274,000 | 8,527,000 | 12,934,000 | 17,715,000 |
| Provision for loan losses | 6,544,000 | 7,466,000 | 13,015,000 | 19,864,000 |
| Pretax income | -5,528,000 | -5,388,000 | -10,974,000 | -16,291,000 |
| Income tax | -52,000 | -52,000 | -52,000 | -52,000 |
| Net income | -5,476,000 | -5,336,000 | -10,922,000 | -16,239,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 29,139,000 | 29,266,000 | 23,683,000 | 19,266,000 |
| Total capital | 33,243,000 | 33,206,000 | 27,459,000 | 22,874,000 |
| Risk-weighted assets | 325,620,000 | 312,251,000 | 300,297,000 | 284,860,000 |