Call reports 2007
HOMESTEAD BANK — 2007
What HOMESTEAD BANK reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 101,757,000 | 102,203,000 | 104,572,000 | 104,849,000 |
| Total loans | 69,158,000 | 72,547,000 | 73,850,000 | 69,658,000 |
| Allowance for loan losses | 1,038,000 | 1,039,000 | 1,040,000 | 1,042,000 |
| Securities available for sale | 16,674,000 | 17,531,000 | 17,678,000 | 19,487,000 |
| Securities held to maturity | 6,109,000 | 5,646,000 | 5,456,000 | 5,288,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 88,381,000 | 88,398,000 | 85,526,000 | 89,677,000 |
| Interest-bearing deposits | 76,906,000 | 76,973,000 | 74,268,000 | 75,505,000 |
| Noninterest-bearing deposits | 11,475,000 | 11,425,000 | 11,258,000 | 14,172,000 |
| Equity capital | 10,579,000 | 11,003,000 | 11,785,000 | 12,432,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 1,712,000 | 3,484,000 | 5,269,000 | 6,998,000 |
| Interest expense | 689,000 | 1,393,000 | 2,114,000 | 2,798,000 |
| Net interest income | 1,023,000 | 2,091,000 | 3,155,000 | 4,200,000 |
| Noninterest income | 202,000 | 393,000 | 680,000 | 944,000 |
| Noninterest expense | 817,000 | 1,583,000 | 2,370,000 | 3,207,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 408,000 | 901,000 | 1,465,000 | 1,937,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 408,000 | 901,000 | 1,465,000 | 1,937,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,373,000 | 10,865,000 | 11,429,000 | 11,901,000 |
| Total capital | 11,376,000 | 11,889,000 | 12,438,000 | 12,894,000 |
| Risk-weighted assets | 79,464,000 | 81,663,000 | 79,905,000 | 78,595,000 |