Call reports 2004
HOMEBANK — 2004
What HOMEBANK reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 84,793,000 | 83,175,000 | 82,408,000 | 88,707,000 |
| Total loans | 56,261,000 | 59,786,000 | 62,264,000 | 64,436,000 |
| Allowance for loan losses | 712,000 | 709,000 | 739,000 | 685,000 |
| Securities available for sale | 13,846,000 | 13,281,000 | 11,961,000 | 13,474,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 68,968,000 | 66,099,000 | 63,106,000 | 71,306,000 |
| Interest-bearing deposits | 56,394,000 | 56,287,000 | 52,732,000 | 59,078,000 |
| Noninterest-bearing deposits | 12,574,000 | 9,812,000 | 10,375,000 | 12,228,000 |
| Equity capital | 8,718,000 | 8,248,000 | 8,684,000 | 8,705,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 1,023,000 | 2,101,000 | 3,217,000 | 4,370,000 |
| Interest expense | 281,000 | 549,000 | 817,000 | 1,101,000 |
| Net interest income | 742,000 | 1,552,000 | 2,400,000 | 3,269,000 |
| Noninterest income | 192,000 | 366,000 | 559,000 | 749,000 |
| Noninterest expense | 647,000 | 1,313,000 | 1,953,000 | 2,588,000 |
| Provision for loan losses | 29,000 | 57,000 | 86,000 | 114,000 |
| Pretax income | 258,000 | 548,000 | 920,000 | 1,316,000 |
| Income tax | 9,000 | 15,000 | 20,000 | 24,000 |
| Net income | 249,000 | 533,000 | 900,000 | 1,292,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,407,000 | 8,192,000 | 8,558,000 | 8,650,000 |
| Total capital | 9,119,000 | 8,901,000 | 9,297,000 | 9,335,000 |
| Risk-weighted assets | 62,860,000 | 65,856,000 | 74,533,000 | 68,944,000 |