Call reports 2002
HOME STATE BANK — 2002
What HOME STATE BANK reported to the FFIEC in 2002, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Total assets | 62,344,000 | 68,079,000 | 71,835,000 | 74,589,000 |
| Total loans | 42,583,000 | 47,899,000 | 50,982,000 | 53,206,000 |
| Allowance for loan losses | 541,000 | 559,000 | 624,000 | 789,000 |
| Securities available for sale | 4,529,000 | 4,560,000 | 3,520,000 | 3,688,000 |
| Securities held to maturity | 10,267,000 | 10,260,000 | 10,227,000 | 10,575,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 53,370,000 | 55,600,000 | 61,003,000 | 64,666,000 |
| Interest-bearing deposits | 43,437,000 | 45,414,000 | 49,766,000 | 50,851,000 |
| Noninterest-bearing deposits | 9,933,000 | 10,186,000 | 11,237,000 | 13,815,000 |
| Equity capital | 5,488,000 | 5,668,000 | 5,908,000 | 6,024,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Interest income | 1,102,000 | 2,276,000 | 3,588,000 | 4,967,000 |
| Interest expense | 344,000 | 688,000 | 1,044,000 | 1,390,000 |
| Net interest income | 758,000 | 1,588,000 | 2,544,000 | 3,577,000 |
| Noninterest income | 139,000 | 281,000 | 424,000 | 555,000 |
| Noninterest expense | 569,000 | 1,163,000 | 1,759,000 | 2,442,000 |
| Provision for loan losses | 14,000 | 29,000 | 95,000 | 260,000 |
| Pretax income | 314,000 | 677,000 | 1,114,000 | 1,430,000 |
| Income tax | 0 | 3,000 | 3,000 | 5,000 |
| Net income | 314,000 | 674,000 | 1,111,000 | 1,425,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,347,000 | 5,470,000 | 5,684,000 | 5,817,000 |
| Total capital | 5,888,000 | 6,029,000 | 6,308,000 | 6,585,000 |
| Risk-weighted assets | 48,445,000 | 53,124,000 | 59,149,000 | 61,442,000 |
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