Call reports 2005
HOMESTEAD BANK — 2005
What HOMESTEAD BANK 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 | 96,247,000 | 99,109,000 | 103,172,000 | 104,201,000 |
| Total loans | 64,783,000 | 67,518,000 | 71,177,000 | 70,727,000 |
| Allowance for loan losses | 978,000 | 1,001,000 | 1,020,000 | 1,031,000 |
| Securities available for sale | 17,407,000 | 17,487,000 | 18,383,000 | 18,259,000 |
| Securities held to maturity | 6,028,000 | 5,892,000 | 5,943,000 | 6,002,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 82,725,000 | 83,236,000 | 85,035,000 | 84,752,000 |
| Interest-bearing deposits | 73,176,000 | 73,638,000 | 74,098,000 | 74,088,000 |
| Noninterest-bearing deposits | 9,549,000 | 9,598,000 | 10,937,000 | 10,664,000 |
| Equity capital | 10,635,000 | 10,947,000 | 11,185,000 | 11,458,000 |
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 | 1,380,000 | 2,843,000 | 4,393,000 | 6,019,000 |
| Interest expense | 415,000 | 838,000 | 1,326,000 | 1,898,000 |
| Net interest income | 965,000 | 2,005,000 | 3,067,000 | 4,121,000 |
| Noninterest income | 139,000 | 238,000 | 398,000 | 579,000 |
| Noninterest expense | 752,000 | 1,476,000 | 2,181,000 | 2,884,000 |
| Provision for loan losses | 15,000 | 30,000 | 45,000 | -105,000 |
| Pretax income | 337,000 | 737,000 | 1,239,000 | 1,921,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 337,000 | 737,000 | 1,239,000 | 1,921,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,565,000 | 10,765,000 | 11,067,000 | 11,445,000 |
| Total capital | 11,469,000 | 11,694,000 | 12,043,000 | 12,454,000 |
| Risk-weighted assets | 72,221,000 | 74,281,000 | 78,013,000 | 80,701,000 |