Call reports 2004
HOMESTEAD BANK — 2004
What HOMESTEAD BANK 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 | 93,450,000 | 93,347,000 | 99,958,000 | 95,387,000 |
| Total loans | 63,414,000 | 64,810,000 | 70,818,000 | 65,747,000 |
| Allowance for loan losses | 960,000 | 953,000 | 887,000 | 957,000 |
| Securities available for sale | 14,186,000 | 14,891,000 | 14,884,000 | 15,231,000 |
| Securities held to maturity | 5,356,000 | 5,235,000 | 5,431,000 | 5,261,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 79,215,000 | 78,104,000 | 79,950,000 | 81,195,000 |
| Interest-bearing deposits | 69,883,000 | 69,391,000 | 69,618,000 | 71,758,000 |
| Noninterest-bearing deposits | 9,332,000 | 8,713,000 | 10,332,000 | 9,437,000 |
| Equity capital | 10,114,000 | 10,113,000 | 10,512,000 | 10,689,000 |
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 | 1,268,000 | 2,565,000 | 4,010,000 | 5,460,000 |
| Interest expense | 341,000 | 681,000 | 1,042,000 | 1,448,000 |
| Net interest income | 927,000 | 1,884,000 | 2,968,000 | 4,012,000 |
| Noninterest income | 152,000 | 275,000 | 453,000 | 603,000 |
| Noninterest expense | 665,000 | 1,331,000 | 2,020,000 | 2,721,000 |
| Provision for loan losses | 15,000 | 30,000 | 45,000 | 60,000 |
| Pretax income | 399,000 | 798,000 | 1,356,000 | 1,834,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 399,000 | 798,000 | 1,356,000 | 1,834,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,596,000 | 9,795,000 | 10,152,000 | 10,429,000 |
| Total capital | 10,467,000 | 10,673,000 | 11,039,000 | 11,320,000 |
| Risk-weighted assets | 69,570,000 | 70,139,000 | 75,960,000 | 71,198,000 |