Call reports 2005
HOMEBANK — 2005
What HOMEBANK reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 84,602,000 | 82,699,000 | 87,089,000 | 93,785,000 |
| Total loans | 63,137,000 | 65,458,000 | 69,324,000 | 70,061,000 |
| Allowance for loan losses | 708,000 | 733,000 | 733,000 | 768,000 |
| Securities available for sale | 11,355,000 | 9,748,000 | 9,268,000 | 11,207,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 68,126,000 | 65,224,000 | 66,552,000 | 72,437,000 |
| Interest-bearing deposits | 57,392,000 | 54,123,000 | 55,508,000 | 59,541,000 |
| Noninterest-bearing deposits | 10,734,000 | 11,101,000 | 11,044,000 | 12,896,000 |
| Equity capital | 8,831,000 | 9,039,000 | 9,313,000 | 9,337,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 1,148,000 | 2,363,000 | 3,619,000 | 4,952,000 |
| Interest expense | 283,000 | 573,000 | 907,000 | 1,291,000 |
| Net interest income | 865,000 | 1,790,000 | 2,712,000 | 3,661,000 |
| Noninterest income | 187,000 | 388,000 | 584,000 | 707,000 |
| Noninterest expense | 694,000 | 1,372,000 | 2,112,000 | 2,774,000 |
| Provision for loan losses | 25,000 | 51,000 | 80,000 | 116,000 |
| Pretax income | 333,000 | 755,000 | 1,104,000 | 1,478,000 |
| Income tax | 5,000 | 6,000 | 8,000 | 9,000 |
| Net income | 328,000 | 749,000 | 1,096,000 | 1,469,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,978,000 | 9,098,000 | 9,445,000 | 9,519,000 |
| Total capital | 9,686,000 | 9,831,000 | 10,178,000 | 10,287,000 |
| Risk-weighted assets | 67,466,000 | 69,250,000 | 73,917,000 | 75,882,000 |