Call reports 2005
HOME STATE BANK — 2005
What HOME STATE BANK reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 99,491,000 | 104,690,000 | 110,061,000 | 114,316,000 |
| Total loans | 75,307,000 | 79,152,000 | 82,570,000 | 86,324,000 |
| Allowance for loan losses | 1,026,000 | 1,072,000 | 1,112,000 | 1,168,000 |
| Securities available for sale | 14,767,000 | 15,553,000 | 15,163,000 | 16,030,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 85,485,000 | 86,053,000 | 90,036,000 | 94,389,000 |
| Interest-bearing deposits | 69,490,000 | 70,525,000 | 73,705,000 | 74,885,000 |
| Noninterest-bearing deposits | 15,995,000 | 15,528,000 | 16,331,000 | 19,504,000 |
| Equity capital | 7,563,000 | 11,156,000 | 11,206,000 | 11,179,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 1,463,000 | 3,109,000 | 4,862,000 | 6,697,000 |
| Interest expense | 375,000 | 828,000 | 1,341,000 | 1,933,000 |
| Net interest income | 1,088,000 | 2,281,000 | 3,521,000 | 4,764,000 |
| Noninterest income | 223,000 | 475,000 | 775,000 | 1,007,000 |
| Noninterest expense | 855,000 | 1,797,000 | 2,772,000 | 3,820,000 |
| Provision for loan losses | 38,000 | 78,000 | 117,000 | 185,000 |
| Pretax income | 414,000 | 896,000 | 1,430,000 | 1,789,000 |
| Income tax | 2,000 | 2,000 | 2,000 | 2,000 |
| Net income | 412,000 | 894,000 | 1,428,000 | 1,787,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,304,000 | 10,750,000 | 10,974,000 | 11,077,000 |
| Total capital | 8,320,000 | 11,822,000 | 12,085,000 | 12,246,000 |
| Risk-weighted assets | 80,673,000 | 85,338,000 | 88,393,000 | 92,994,000 |
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