Call reports 2011
HOMESTAR BANK AND FINANCIAL SERVICES — 2011
What HOMESTAR BANK AND FINANCIAL SERVICES reported to the FFIEC in 2011, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Total assets | 398,812,000 | 378,630,000 | 388,759,000 | 365,390,000 |
| Total loans | 266,092,000 | 256,360,000 | 244,864,000 | 227,075,000 |
| Allowance for loan losses | 7,620,000 | 9,674,000 | 10,502,000 | 10,055,000 |
| Securities available for sale | 13,938,000 | 13,845,000 | 35,463,000 | 37,761,000 |
| Securities held to maturity | 400,000 | 400,000 | 400,000 | 400,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 358,599,000 | 339,984,000 | 351,628,000 | 329,027,000 |
| Interest-bearing deposits | 313,688,000 | 298,433,000 | 309,903,000 | 283,241,000 |
| Noninterest-bearing deposits | 44,911,000 | 41,551,000 | 41,725,000 | 45,786,000 |
| Equity capital | 17,165,000 | 15,627,000 | 16,704,000 | 15,522,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Interest income | 3,725,000 | 7,243,000 | 10,595,000 | 14,663,000 |
| Interest expense | 781,000 | 1,533,000 | 2,229,000 | 2,833,000 |
| Net interest income | 2,944,000 | 5,710,000 | 8,366,000 | 11,830,000 |
| Noninterest income | 1,875,000 | 3,193,000 | 7,004,000 | 8,542,000 |
| Noninterest expense | 4,118,000 | 8,565,000 | 13,258,000 | 17,701,000 |
| Provision for loan losses | 3,340,000 | 6,530,000 | 7,412,000 | 9,162,000 |
| Pretax income | -2,639,000 | -6,192,000 | -5,300,000 | -6,482,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | -2,639,000 | -6,192,000 | -5,300,000 | -6,482,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Tier 1 capital | 16,937,000 | 15,138,000 | 16,035,000 | 14,860,000 |
| Total capital | 20,384,000 | 18,503,000 | 19,210,000 | 17,768,000 |
| Risk-weighted assets | 271,553,000 | 262,877,000 | 246,639,000 | 225,495,000 |