Call reports 2006
HOMESTEAD BANK — 2006
What HOMESTEAD BANK reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 102,452,000 | 107,430,000 | 107,045,000 | 101,343,000 |
| Total loans | 71,002,000 | 74,041,000 | 76,253,000 | 70,416,000 |
| Allowance for loan losses | 1,031,000 | 1,033,000 | 1,024,000 | 1,035,000 |
| Securities available for sale | 17,710,000 | 17,060,000 | 18,172,000 | 17,171,000 |
| Securities held to maturity | 5,889,000 | 6,545,000 | 6,861,000 | 6,413,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 86,241,000 | 87,972,000 | 86,038,000 | 85,206,000 |
| Interest-bearing deposits | 76,075,000 | 77,701,000 | 75,998,000 | 77,085,000 |
| Noninterest-bearing deposits | 10,166,000 | 10,271,000 | 10,040,000 | 8,121,000 |
| Equity capital | 11,847,000 | 12,048,000 | 12,607,000 | 13,193,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 1,629,000 | 3,341,000 | 5,152,000 | 6,965,000 |
| Interest expense | 581,000 | 1,222,000 | 1,927,000 | 2,660,000 |
| Net interest income | 1,048,000 | 2,119,000 | 3,225,000 | 4,305,000 |
| Noninterest income | 136,000 | 241,000 | 389,000 | 551,000 |
| Noninterest expense | 772,000 | 1,464,000 | 2,163,000 | 2,865,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 412,000 | 896,000 | 1,451,000 | 1,991,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 412,000 | 896,000 | 1,451,000 | 1,991,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,858,000 | 12,141,000 | 12,496,000 | 13,035,000 |
| Total capital | 12,867,000 | 13,174,000 | 13,520,000 | 14,062,000 |
| Risk-weighted assets | 79,939,000 | 82,823,000 | 85,458,000 | 81,354,000 |