Call reports 2008
HOMEBANK — 2008
What HOMEBANK reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 119,788,000 | 122,792,000 | 120,576,000 | 128,212,000 |
| Total loans | 89,330,000 | 89,623,000 | 92,452,000 | 94,348,000 |
| Allowance for loan losses | 853,000 | 863,000 | 908,000 | 940,000 |
| Securities available for sale | 12,833,000 | 15,099,000 | 15,002,000 | 14,713,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 91,612,000 | 93,988,000 | 92,057,000 | 99,564,000 |
| Interest-bearing deposits | 78,290,000 | 80,093,000 | 78,407,000 | 84,169,000 |
| Noninterest-bearing deposits | 13,322,000 | 13,895,000 | 13,650,000 | 15,396,000 |
| Equity capital | 11,572,000 | 11,356,000 | 11,797,000 | 11,988,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 1,812,000 | 3,654,000 | 5,416,000 | 7,145,000 |
| Interest expense | 729,000 | 1,447,000 | 2,137,000 | 2,799,000 |
| Net interest income | 1,083,000 | 2,207,000 | 3,279,000 | 4,346,000 |
| Noninterest income | 272,000 | 513,000 | 789,000 | 1,076,000 |
| Noninterest expense | 883,000 | 1,734,000 | 2,616,000 | 3,472,000 |
| Provision for loan losses | 32,000 | 89,000 | 125,000 | 153,000 |
| Pretax income | 449,000 | 906,000 | 1,336,000 | 1,806,000 |
| Income tax | 2,000 | 4,000 | 4,000 | 7,000 |
| Net income | 447,000 | 902,000 | 1,332,000 | 1,799,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,297,000 | 11,251,000 | 11,682,000 | 11,649,000 |
| Total capital | 12,150,000 | 12,114,000 | 12,590,000 | 12,589,000 |
| Risk-weighted assets | 97,236,000 | 98,655,000 | 100,888,000 | 104,269,000 |