Call reports 2003
HOMESTEAD BANK — 2003
What HOMESTEAD BANK 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 | 94,910,000 | 91,831,000 | 95,441,000 | 92,564,000 |
| Total loans | 61,214,000 | 62,569,000 | 67,130,000 | 64,298,000 |
| Allowance for loan losses | 922,000 | 921,000 | 922,000 | 952,000 |
| Securities available for sale | 17,367,000 | 16,710,000 | 14,338,000 | 14,207,000 |
| Securities held to maturity | 3,947,000 | 4,352,000 | 5,608,000 | 5,409,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 84,192,000 | 80,587,000 | 77,075,000 | 76,918,000 |
| Interest-bearing deposits | 74,936,000 | 71,223,000 | 68,712,000 | 68,157,000 |
| Noninterest-bearing deposits | 9,257,000 | 9,364,000 | 8,363,000 | 8,761,000 |
| Equity capital | 9,114,000 | 9,474,000 | 9,613,000 | 9,874,000 |
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 | 1,414,000 | 2,807,000 | 4,210,000 | 5,566,000 |
| Interest expense | 455,000 | 864,000 | 1,247,000 | 1,604,000 |
| Net interest income | 959,000 | 1,943,000 | 2,963,000 | 3,962,000 |
| Noninterest income | 135,000 | 287,000 | 464,000 | 656,000 |
| Noninterest expense | 660,000 | 1,298,000 | 1,955,000 | 2,609,000 |
| Provision for loan losses | 45,000 | 75,000 | 105,000 | 135,000 |
| Pretax income | 389,000 | 859,000 | 1,385,000 | 1,892,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 389,000 | 859,000 | 1,385,000 | 1,892,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,499,000 | 8,767,000 | 9,092,000 | 9,398,000 |
| Total capital | 9,355,000 | 9,623,000 | 9,980,000 | 10,277,000 |
| Risk-weighted assets | 68,461,000 | 68,377,000 | 70,984,000 | 70,212,000 |