Call reports 2013
HOMESTAR BANK AND FINANCIAL SERVICES — 2013
What HOMESTAR BANK AND FINANCIAL SERVICES reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 352,671,000 | 342,761,000 | 339,971,000 | 335,280,000 |
| Total loans | 194,873,000 | 192,766,000 | 185,941,000 | 186,885,000 |
| Allowance for loan losses | 6,042,000 | 5,050,000 | 4,858,000 | 4,604,000 |
| Securities available for sale | 75,386,000 | 77,314,000 | 85,820,000 | 94,815,000 |
| Securities held to maturity | 400,000 | 400,000 | 400,000 | 1,960,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 320,250,000 | 311,586,000 | 311,922,000 | 308,213,000 |
| Interest-bearing deposits | 268,897,000 | 264,556,000 | 267,934,000 | 258,448,000 |
| Noninterest-bearing deposits | 51,353,000 | 47,030,000 | 43,988,000 | 49,765,000 |
| Equity capital | 14,806,000 | 13,391,000 | 13,212,000 | 12,258,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 2,820,000 | 5,569,000 | 8,326,000 | 11,000,000 |
| Interest expense | 419,000 | 707,000 | 989,000 | 1,257,000 |
| Net interest income | 2,401,000 | 4,862,000 | 7,337,000 | 9,743,000 |
| Noninterest income | 2,232,000 | 4,266,000 | 5,851,000 | 7,427,000 |
| Noninterest expense | 4,886,000 | 8,378,000 | 12,435,000 | 16,642,000 |
| Provision for loan losses | 530,000 | 865,000 | 1,000,000 | 1,000,000 |
| Pretax income | -783,000 | -115,000 | -247,000 | -469,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | -783,000 | -115,000 | -247,000 | -469,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 14,512,000 | 15,096,000 | 14,976,000 | 14,690,000 |
| Total capital | 17,090,000 | 17,619,000 | 17,406,000 | 17,143,000 |
| Risk-weighted assets | 197,709,000 | 196,079,000 | 191,939,000 | 194,069,000 |