Call reports 2012
HOMESTAR BANK AND FINANCIAL SERVICES — 2012
What HOMESTAR BANK AND FINANCIAL SERVICES reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 372,012,000 | 352,074,000 | 355,064,000 | 349,929,000 |
| Total loans | 217,196,000 | 211,106,000 | 203,310,000 | 199,684,000 |
| Allowance for loan losses | 8,662,000 | 7,526,000 | 7,201,000 | 6,979,000 |
| Securities available for sale | 39,377,000 | 59,704,000 | 79,530,000 | 76,228,000 |
| Securities held to maturity | 400,000 | 400,000 | 400,000 | 400,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 336,784,000 | 317,455,000 | 318,982,000 | 312,994,000 |
| Interest-bearing deposits | 286,299,000 | 273,577,000 | 273,139,000 | 260,110,000 |
| Noninterest-bearing deposits | 50,485,000 | 43,878,000 | 45,843,000 | 52,884,000 |
| Equity capital | 14,696,000 | 14,333,000 | 15,626,000 | 14,834,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 3,107,000 | 6,246,000 | 9,605,000 | 12,556,000 |
| Interest expense | 523,000 | 968,000 | 1,385,000 | 1,779,000 |
| Net interest income | 2,584,000 | 5,278,000 | 8,220,000 | 10,777,000 |
| Noninterest income | 1,451,000 | 3,099,000 | 5,505,000 | 8,028,000 |
| Noninterest expense | 3,864,000 | 7,614,000 | 11,291,000 | 16,038,000 |
| Provision for loan losses | 920,000 | 2,234,000 | 2,875,000 | 3,835,000 |
| Pretax income | -749,000 | -1,470,000 | 126,000 | -58,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | -749,000 | -1,470,000 | 126,000 | -58,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 14,132,000 | 13,401,000 | 14,997,000 | 14,812,000 |
| Total capital | 16,913,000 | 16,122,000 | 17,691,000 | 17,461,000 |
| Risk-weighted assets | 216,577,000 | 210,598,000 | 208,245,000 | 203,867,000 |