Call reports 2003
HOMEBANK — 2003
What HOMEBANK reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 83,302,000 | 83,109,000 | 78,936,000 | 84,016,000 |
| Total loans | 56,500,000 | 56,314,000 | 56,735,000 | 55,491,000 |
| Allowance for loan losses | 664,000 | 685,000 | 705,000 | 701,000 |
| Securities available for sale | 16,463,000 | 15,863,000 | 11,281,000 | 13,870,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 67,788,000 | 67,585,000 | 63,205,000 | 68,450,000 |
| Interest-bearing deposits | 58,844,000 | 56,984,000 | 53,571,000 | 57,970,000 |
| Noninterest-bearing deposits | 8,944,000 | 10,601,000 | 9,634,000 | 10,479,000 |
| Equity capital | 8,510,000 | 8,379,000 | 8,614,000 | 8,498,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 1,257,000 | 2,606,000 | 3,472,000 | 4,532,000 |
| Interest expense | 356,000 | 686,000 | 993,000 | 1,285,000 |
| Net interest income | 901,000 | 1,920,000 | 2,479,000 | 3,247,000 |
| Noninterest income | 98,000 | 203,000 | 679,000 | 837,000 |
| Noninterest expense | 601,000 | 1,205,000 | 1,827,000 | 2,438,000 |
| Provision for loan losses | 28,000 | 56,000 | 85,000 | 113,000 |
| Pretax income | 370,000 | 862,000 | 1,246,000 | 1,533,000 |
| Income tax | 6,000 | 18,000 | -1,000 | -1,000 |
| Net income | 364,000 | 844,000 | 1,247,000 | 1,534,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,889,000 | 7,768,000 | 8,171,000 | 8,158,000 |
| Total capital | 8,553,000 | 8,453,000 | 8,876,000 | 8,859,000 |
| Risk-weighted assets | 58,057,000 | 58,165,000 | 59,906,000 | 59,320,000 |