Call reports 2008
HOMESTEAD BANK — 2008
What HOMESTEAD BANK reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 105,902,000 | 105,092,000 | 109,247,000 | 106,022,000 |
| Total loans | 72,569,000 | 75,125,000 | 78,935,000 | 76,118,000 |
| Allowance for loan losses | 1,042,000 | 1,042,000 | 1,043,000 | 1,043,000 |
| Securities available for sale | 16,656,000 | 13,456,000 | 13,508,000 | 11,439,000 |
| Securities held to maturity | 5,153,000 | 5,525,000 | 5,634,000 | 4,886,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 89,356,000 | 86,251,000 | 85,857,000 | 87,984,000 |
| Interest-bearing deposits | 74,878,000 | 73,584,000 | 72,990,000 | 73,624,000 |
| Noninterest-bearing deposits | 14,478,000 | 12,667,000 | 12,867,000 | 14,360,000 |
| Equity capital | 12,996,000 | 13,295,000 | 13,885,000 | 14,623,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 1,663,000 | 3,248,000 | 4,849,000 | 6,410,000 |
| Interest expense | 622,000 | 1,175,000 | 1,688,000 | 2,188,000 |
| Net interest income | 1,041,000 | 2,073,000 | 3,161,000 | 4,222,000 |
| Noninterest income | 203,000 | 413,000 | 753,000 | 1,111,000 |
| Noninterest expense | 852,000 | 1,638,000 | 2,450,000 | 3,355,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 392,000 | 848,000 | 1,464,000 | 1,978,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 392,000 | 848,000 | 1,464,000 | 1,978,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,293,000 | 12,749,000 | 13,365,000 | 13,879,000 |
| Total capital | 13,323,000 | 13,774,000 | 14,408,000 | 14,922,000 |
| Risk-weighted assets | 81,622,000 | 81,967,000 | 85,969,000 | 83,522,000 |