Call reports 2015
HOMESTAR BANK AND FINANCIAL SERVICES — 2015
What HOMESTAR BANK AND FINANCIAL SERVICES reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 332,211,000 | 331,907,000 | 337,351,000 | 335,306,000 |
| Total loans | 189,221,000 | 188,114,000 | 187,640,000 | 189,468,000 |
| Allowance for loan losses | 3,844,000 | 3,858,000 | 3,779,000 | 3,415,000 |
| Securities available for sale | 100,665,000 | 102,215,000 | 97,125,000 | 91,623,000 |
| Securities held to maturity | 2,563,000 | 2,563,000 | 2,563,000 | 3,083,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 309,488,000 | 305,265,000 | 314,927,000 | 313,194,000 |
| Interest-bearing deposits | 256,200,000 | 255,336,000 | 263,089,000 | 260,313,000 |
| Noninterest-bearing deposits | 53,289,000 | 49,930,000 | 51,839,000 | 52,881,000 |
| Equity capital | 17,475,000 | 16,634,000 | 18,543,000 | 17,427,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 2,681,000 | 5,353,000 | 8,057,000 | 10,688,000 |
| Interest expense | 168,000 | 334,000 | 504,000 | 668,000 |
| Net interest income | 2,513,000 | 5,019,000 | 7,553,000 | 10,020,000 |
| Noninterest income | 1,572,000 | 3,373,000 | 5,366,000 | 7,126,000 |
| Noninterest expense | 3,495,000 | 7,810,000 | 11,467,000 | 16,127,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 590,000 | 763,000 | 1,756,000 | 1,626,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 590,000 | 763,000 | 1,756,000 | 1,626,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 16,705,000 | 16,869,000 | 17,959,000 | 17,800,000 |
| Total capital | 19,099,000 | 19,248,000 | 20,349,000 | 20,194,000 |
| Risk-weighted assets | 189,924,000 | 188,370,000 | 188,177,000 | 189,501,000 |