Call reports 2016
HOMESTAR BANK AND FINANCIAL SERVICES — 2016
What HOMESTAR BANK AND FINANCIAL SERVICES reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 345,361,000 | 335,461,000 | 347,158,000 | 344,591,000 |
| Total loans | 190,254,000 | 194,266,000 | 191,155,000 | 192,070,000 |
| Allowance for loan losses | 2,984,000 | 2,931,000 | 2,895,000 | 2,841,000 |
| Securities available for sale | 96,828,000 | 102,150,000 | 100,806,000 | 99,796,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 323,213,000 | 310,832,000 | 324,903,000 | 318,569,000 |
| Interest-bearing deposits | 261,559,000 | 257,130,000 | 269,214,000 | 261,792,000 |
| Noninterest-bearing deposits | 61,654,000 | 53,702,000 | 55,689,000 | 56,777,000 |
| Equity capital | 17,770,000 | 20,896,000 | 20,863,000 | 24,171,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 2,617,000 | 5,478,000 | 8,276,000 | 11,045,000 |
| Interest expense | 163,000 | 329,000 | 472,000 | 616,000 |
| Net interest income | 2,454,000 | 5,149,000 | 7,804,000 | 10,429,000 |
| Noninterest income | 1,259,000 | 2,522,000 | 4,186,000 | 5,790,000 |
| Noninterest expense | 3,570,000 | 7,027,000 | 10,623,000 | 14,475,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | -396,000 | 476,000 | 2,263,000 | 2,640,000 |
| Income tax | 0 | 0 | 0 | -5,500,000 |
| Net income | -396,000 | 476,000 | 2,263,000 | 8,140,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 17,296,000 | 18,403,000 | 20,343,000 | 21,894,000 |
| Total capital | 19,841,000 | 20,972,000 | 22,914,000 | 24,520,000 |
| Risk-weighted assets | 201,339,000 | 203,149,000 | 203,778,000 | 207,712,000 |