Call reports 2009
HOME STATE BANK — 2009
What HOME STATE BANK reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 121,665,000 | 116,389,000 | 120,121,000 | 124,134,000 |
| Total loans | 88,787,000 | 89,077,000 | 86,103,000 | 82,605,000 |
| Allowance for loan losses | 903,000 | 998,000 | 885,000 | 917,000 |
| Securities available for sale | 15,490,000 | 14,940,000 | 16,621,000 | 18,144,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 89,167,000 | 84,786,000 | 87,816,000 | 91,962,000 |
| Interest-bearing deposits | 72,217,000 | 68,674,000 | 69,596,000 | 71,584,000 |
| Noninterest-bearing deposits | 16,950,000 | 16,112,000 | 18,220,000 | 20,378,000 |
| Equity capital | 12,567,000 | 12,466,000 | 13,026,000 | 12,798,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 1,739,000 | 3,512,000 | 5,205,000 | 6,864,000 |
| Interest expense | 524,000 | 1,022,000 | 1,512,000 | 1,974,000 |
| Net interest income | 1,215,000 | 2,490,000 | 3,693,000 | 4,890,000 |
| Noninterest income | 248,000 | 440,000 | 664,000 | 881,000 |
| Noninterest expense | 1,042,000 | 2,221,000 | 3,293,000 | 4,407,000 |
| Provision for loan losses | 90,000 | 165,000 | 255,000 | 375,000 |
| Pretax income | 331,000 | 564,000 | 829,000 | 1,009,000 |
| Income tax | 2,000 | 2,000 | 2,000 | 2,000 |
| Net income | 329,000 | 562,000 | 827,000 | 1,007,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,130,000 | 12,244,000 | 12,394,000 | 12,364,000 |
| Total capital | 13,033,000 | 13,242,000 | 13,279,000 | 13,281,000 |
| Risk-weighted assets | 103,880,000 | 101,529,000 | 100,469,000 | 99,872,000 |