Call reports 2018
HOMESTAR BANK AND FINANCIAL SERVICES — 2018
What HOMESTAR BANK AND FINANCIAL SERVICES reported to the FFIEC in 2018, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Total assets | 356,823,000 | 362,684,000 | 368,652,000 | 375,439,000 |
| Total loans | 209,425,000 | 211,720,000 | 220,172,000 | 222,654,000 |
| Allowance for loan losses | 2,977,000 | 3,150,000 | 3,178,000 | 3,122,000 |
| Securities available for sale | 109,554,000 | 107,374,000 | 108,006,000 | 107,395,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 327,011,000 | 323,588,000 | 329,343,000 | 333,063,000 |
| Interest-bearing deposits | 261,400,000 | 258,496,000 | 266,849,000 | 265,389,000 |
| Noninterest-bearing deposits | 65,611,000 | 65,092,000 | 62,494,000 | 67,674,000 |
| Equity capital | 26,293,000 | 27,687,000 | 28,255,000 | 30,359,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Interest income | 3,003,000 | 6,307,000 | 9,801,000 | 13,427,000 |
| Interest expense | 133,000 | 279,000 | 492,000 | 715,000 |
| Net interest income | 2,870,000 | 6,028,000 | 9,309,000 | 12,712,000 |
| Noninterest income | 1,828,000 | 4,588,000 | 6,720,000 | 9,361,000 |
| Noninterest expense | 3,866,000 | 8,031,000 | 12,245,000 | 17,433,000 |
| Provision for loan losses | 91,000 | 227,000 | 364,000 | 350,000 |
| Pretax income | 741,000 | 2,358,000 | 3,420,000 | 4,276,000 |
| Income tax | 0 | 0 | 0 | 6,000 |
| Net income | 741,000 | 2,358,000 | 3,420,000 | 4,270,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Tier 1 capital | 25,676,000 | 27,160,000 | 28,153,000 | 28,828,000 |
| Total capital | 28,519,000 | 30,070,000 | 31,153,000 | 31,915,000 |
| Risk-weighted assets | 227,114,000 | 232,521,000 | 239,768,000 | 246,877,000 |