Call reports 2009
HOMEBANC — 2009
What HOMEBANC reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 132,061,000 | 184,541,000 | 197,460,000 | 270,708,000 |
| Total loans | 83,547,000 | 140,864,000 | 164,299,000 | 237,996,000 |
| Allowance for loan losses | 849,000 | 1,643,000 | 1,773,000 | 1,528,000 |
| Securities available for sale | 2,161,000 | 2,202,000 | 733,000 | 671,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 99,863,000 | 152,824,000 | 157,854,000 | 239,127,000 |
| Interest-bearing deposits | 87,691,000 | 135,186,000 | 142,725,000 | 225,990,000 |
| Noninterest-bearing deposits | 12,172,000 | 17,638,000 | 15,129,000 | 13,137,000 |
| Equity capital | 31,042,000 | 30,284,000 | 30,293,000 | 29,584,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 1,260,000 | 2,750,000 | 4,643,000 | 7,180,000 |
| Interest expense | 480,000 | 1,035,000 | 1,689,000 | 2,419,000 |
| Net interest income | 780,000 | 1,715,000 | 2,954,000 | 4,761,000 |
| Noninterest income | 639,000 | 1,971,000 | 4,590,000 | 7,678,000 |
| Noninterest expense | 2,703,000 | 5,666,000 | 9,453,000 | 13,283,000 |
| Provision for loan losses | 96,000 | 890,000 | 1,020,000 | 3,170,000 |
| Pretax income | -1,174,000 | -2,710,000 | -2,671,000 | -3,756,000 |
| Income tax | -440,000 | -1,014,000 | -1,000,000 | -1,405,000 |
| Net income | -734,000 | -1,696,000 | -1,671,000 | -2,351,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 27,296,000 | 25,891,000 | 25,934,000 | 24,820,000 |
| Total capital | 28,168,000 | 27,543,000 | 27,745,000 | 26,393,000 |
| Risk-weighted assets | 99,035,000 | 132,116,000 | 149,097,000 | 153,844,000 |