Call reports 2014
HOMESTAR BANK AND FINANCIAL SERVICES — 2014
What HOMESTAR BANK AND FINANCIAL SERVICES reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 348,737,000 | 333,080,000 | 333,355,000 | 338,181,000 |
| Total loans | 183,633,000 | 186,510,000 | 186,052,000 | 190,250,000 |
| Allowance for loan losses | 4,461,000 | 4,311,000 | 4,003,000 | 3,851,000 |
| Securities available for sale | 97,834,000 | 95,832,000 | 103,451,000 | 102,055,000 |
| Securities held to maturity | 1,960,000 | 1,960,000 | 1,960,000 | 2,564,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 325,788,000 | 309,042,000 | 313,590,000 | 312,184,000 |
| Interest-bearing deposits | 267,202,000 | 257,268,000 | 267,344,000 | 259,666,000 |
| Noninterest-bearing deposits | 58,586,000 | 51,774,000 | 46,246,000 | 52,518,000 |
| Equity capital | 13,094,000 | 14,329,000 | 14,690,000 | 15,782,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 2,655,000 | 5,358,000 | 8,027,000 | 10,755,000 |
| Interest expense | 219,000 | 440,000 | 635,000 | 808,000 |
| Net interest income | 2,436,000 | 4,918,000 | 7,392,000 | 9,947,000 |
| Noninterest income | 1,486,000 | 2,825,000 | 4,446,000 | 5,813,000 |
| Noninterest expense | 3,509,000 | 6,872,000 | 10,644,000 | 14,629,000 |
| Provision for loan losses | 0 | -100,000 | -100,000 | -400,000 |
| Pretax income | 413,000 | 1,064,000 | 1,387,000 | 1,624,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 413,000 | 1,064,000 | 1,387,000 | 1,624,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 15,124,000 | 15,813,000 | 16,134,000 | 16,392,000 |
| Total capital | 17,547,000 | 18,258,000 | 18,552,000 | 18,852,000 |
| Risk-weighted assets | 191,781,000 | 193,306,000 | 191,659,000 | 194,698,000 |