Call reports 2004
HOME STATE BANK — 2004
What HOME STATE BANK reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 83,223,000 | 87,001,000 | 98,424,000 | 99,391,000 |
| Total loans | 64,998,000 | 69,361,000 | 75,161,000 | 75,475,000 |
| Allowance for loan losses | 909,000 | 923,000 | 986,000 | 988,000 |
| Securities available for sale | 11,407,000 | 11,737,000 | 11,914,000 | 12,337,000 |
| Securities held to maturity | 1,736,000 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 70,696,000 | 73,456,000 | 85,941,000 | 87,340,000 |
| Interest-bearing deposits | 57,604,000 | 60,609,000 | 71,505,000 | 69,412,000 |
| Noninterest-bearing deposits | 13,092,000 | 12,847,000 | 14,436,000 | 17,928,000 |
| Equity capital | 7,287,000 | 7,008,000 | 7,192,000 | 7,477,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 1,274,000 | 2,655,000 | 4,045,000 | 5,598,000 |
| Interest expense | 289,000 | 591,000 | 924,000 | 1,303,000 |
| Net interest income | 985,000 | 2,064,000 | 3,121,000 | 4,295,000 |
| Noninterest income | 178,000 | 356,000 | 586,000 | 834,000 |
| Noninterest expense | 768,000 | 1,546,000 | 2,373,000 | 3,428,000 |
| Provision for loan losses | 18,000 | 36,000 | 104,000 | 122,000 |
| Pretax income | 401,000 | 889,000 | 1,282,000 | 1,631,000 |
| Income tax | 2,000 | 2,000 | 2,000 | 5,000 |
| Net income | 399,000 | 887,000 | 1,280,000 | 1,626,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,723,000 | 6,907,000 | 6,607,000 | 7,009,000 |
| Total capital | 7,606,000 | 7,830,000 | 7,593,000 | 7,997,000 |
| Risk-weighted assets | 70,623,000 | 74,871,000 | 81,658,000 | 80,080,000 |
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