Call reports 2007
HOMEBANK — 2007
What HOMEBANK reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 99,943,000 | 105,501,000 | 106,594,000 | 117,488,000 |
| Total loans | 73,367,000 | 79,158,000 | 81,985,000 | 85,420,000 |
| Allowance for loan losses | 765,000 | 783,000 | 799,000 | 826,000 |
| Securities available for sale | 12,072,000 | 12,294,000 | 11,970,000 | 15,727,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 78,291,000 | 82,604,000 | 82,430,000 | 92,290,000 |
| Interest-bearing deposits | 66,510,000 | 70,904,000 | 70,998,000 | 77,338,000 |
| Noninterest-bearing deposits | 11,781,000 | 11,700,000 | 11,432,000 | 14,952,000 |
| Equity capital | 10,470,000 | 10,378,000 | 10,928,000 | 10,953,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 1,617,000 | 3,269,000 | 5,047,000 | 6,914,000 |
| Interest expense | 621,000 | 1,279,000 | 2,039,000 | 2,811,000 |
| Net interest income | 996,000 | 1,990,000 | 3,008,000 | 4,103,000 |
| Noninterest income | 176,000 | 415,000 | 638,000 | 834,000 |
| Noninterest expense | 801,000 | 1,658,000 | 2,451,000 | 3,279,000 |
| Provision for loan losses | 18,000 | 43,000 | 75,000 | 107,000 |
| Pretax income | 353,000 | 704,000 | 1,120,000 | 1,551,000 |
| Income tax | -28,000 | -26,000 | -25,000 | -23,000 |
| Net income | 381,000 | 730,000 | 1,145,000 | 1,574,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,557,000 | 10,506,000 | 10,921,000 | 10,850,000 |
| Total capital | 11,322,000 | 11,289,000 | 11,720,000 | 11,676,000 |
| Risk-weighted assets | 82,394,000 | 87,515,000 | 90,986,000 | 94,035,000 |