Call reports 2007
HOME STATE BANK — 2007
What HOME STATE BANK reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 121,501,000 | 118,394,000 | 116,187,000 | 115,366,000 |
| Total loans | 84,877,000 | 86,252,000 | 84,903,000 | 84,839,000 |
| Allowance for loan losses | 1,126,000 | 1,208,000 | 957,000 | 622,000 |
| Securities available for sale | 20,429,000 | 20,325,000 | 19,416,000 | 17,580,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 99,851,000 | 95,269,000 | 92,214,000 | 90,482,000 |
| Interest-bearing deposits | 82,266,000 | 77,266,000 | 75,139,000 | 71,462,000 |
| Noninterest-bearing deposits | 17,585,000 | 18,003,000 | 17,075,000 | 19,020,000 |
| Equity capital | 11,371,000 | 11,159,000 | 11,477,000 | 11,612,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 2,051,000 | 4,205,000 | 6,277,000 | 8,258,000 |
| Interest expense | 941,000 | 1,868,000 | 2,815,000 | 3,690,000 |
| Net interest income | 1,110,000 | 2,337,000 | 3,462,000 | 4,568,000 |
| Noninterest income | 252,000 | 563,000 | 762,000 | 977,000 |
| Noninterest expense | 1,001,000 | 1,994,000 | 2,958,000 | 4,030,000 |
| Provision for loan losses | 88,000 | 175,000 | 234,000 | 321,000 |
| Pretax income | 273,000 | 730,000 | 1,030,000 | 1,194,000 |
| Income tax | 2,000 | 2,000 | 2,000 | 2,000 |
| Net income | 271,000 | 728,000 | 1,028,000 | 1,192,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,280,000 | 11,419,000 | 11,482,000 | 11,461,000 |
| Total capital | 12,407,000 | 12,627,000 | 12,439,000 | 12,083,000 |
| Risk-weighted assets | 95,202,000 | 102,387,000 | 104,298,000 | 105,927,000 |
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