Call reports 2008
HOME STATE BANK — 2008
What HOME STATE BANK reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 112,253,000 | 113,727,000 | 118,606,000 | 118,468,000 |
| Total loans | 84,380,000 | 86,740,000 | 91,111,000 | 90,596,000 |
| Allowance for loan losses | 669,000 | 713,000 | 717,000 | 842,000 |
| Securities available for sale | 15,244,000 | 14,013,000 | 13,956,000 | 13,996,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 82,388,000 | 84,272,000 | 86,602,000 | 86,104,000 |
| Interest-bearing deposits | 63,910,000 | 66,928,000 | 68,157,000 | 66,197,000 |
| Noninterest-bearing deposits | 18,478,000 | 17,344,000 | 18,445,000 | 19,907,000 |
| Equity capital | 11,884,000 | 11,608,000 | 11,576,000 | 12,057,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 1,825,000 | 3,572,000 | 5,366,000 | 7,133,000 |
| Interest expense | 760,000 | 1,418,000 | 2,040,000 | 2,624,000 |
| Net interest income | 1,065,000 | 2,154,000 | 3,326,000 | 4,509,000 |
| Noninterest income | 214,000 | 461,000 | 699,000 | 1,000,000 |
| Noninterest expense | 1,164,000 | 2,260,000 | 3,342,000 | 4,467,000 |
| Provision for loan losses | 60,000 | 120,000 | 180,000 | 310,000 |
| Pretax income | 84,000 | 279,000 | 549,000 | 778,000 |
| Income tax | 2,000 | 2,000 | 2,000 | 2,000 |
| Net income | 82,000 | 277,000 | 547,000 | 776,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,470,000 | 11,541,000 | 11,639,000 | 11,831,000 |
| Total capital | 12,139,000 | 12,254,000 | 12,356,000 | 12,671,000 |
| Risk-weighted assets | 99,823,000 | 103,016,000 | 105,465,000 | 105,725,000 |
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