Call reports 2003
HOME STATE BANK — 2003
What HOME STATE BANK reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 73,840,000 | 75,511,000 | 80,963,000 | 83,157,000 |
| Total loans | 52,493,000 | 57,427,000 | 61,309,000 | 63,493,000 |
| Allowance for loan losses | 804,000 | 818,000 | 828,000 | 890,000 |
| Securities available for sale | 3,383,000 | 2,766,000 | 11,761,000 | 11,561,000 |
| Securities held to maturity | 10,905,000 | 10,221,000 | 1,637,000 | 1,802,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 63,605,000 | 63,958,000 | 68,456,000 | 70,986,000 |
| Interest-bearing deposits | 51,279,000 | 52,309,000 | 55,592,000 | 57,003,000 |
| Noninterest-bearing deposits | 12,325,000 | 11,649,000 | 12,864,000 | 13,983,000 |
| Equity capital | 6,287,000 | 6,506,000 | 7,015,000 | 6,965,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 1,255,000 | 2,624,000 | 3,996,000 | 5,338,000 |
| Interest expense | 314,000 | 607,000 | 894,000 | 1,181,000 |
| Net interest income | 941,000 | 2,017,000 | 3,102,000 | 4,157,000 |
| Noninterest income | 147,000 | 270,000 | 397,000 | 556,000 |
| Noninterest expense | 639,000 | 1,340,000 | 2,087,000 | 2,958,000 |
| Provision for loan losses | 16,000 | 33,000 | 49,000 | 115,000 |
| Pretax income | 433,000 | 981,000 | 1,430,000 | 1,707,000 |
| Income tax | 1,000 | 2,000 | 2,000 | 2,000 |
| Net income | 432,000 | 979,000 | 1,428,000 | 1,705,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,095,000 | 6,323,000 | 6,499,000 | 6,534,000 |
| Total capital | 6,851,000 | 7,104,000 | 7,327,000 | 7,404,000 |
| Risk-weighted assets | 60,420,000 | 62,479,000 | 67,245,000 | 69,542,000 |
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