Call reports 2010
HOME STATE BANK — 2010
What HOME STATE BANK reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 121,078,000 | 121,292,000 | 120,939,000 | 121,009,000 |
| Total loans | 79,754,000 | 81,876,000 | 81,593,000 | 78,802,000 |
| Allowance for loan losses | 880,000 | 821,000 | 932,000 | 1,010,000 |
| Securities available for sale | 19,968,000 | 20,454,000 | 19,246,000 | 20,121,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 89,185,000 | 88,701,000 | 88,185,000 | 92,051,000 |
| Interest-bearing deposits | 70,221,000 | 69,766,000 | 68,998,000 | 71,510,000 |
| Noninterest-bearing deposits | 18,964,000 | 18,935,000 | 19,187,000 | 20,541,000 |
| Equity capital | 13,070,000 | 13,202,000 | 13,481,000 | 13,029,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 1,531,000 | 3,154,000 | 4,864,000 | 6,502,000 |
| Interest expense | 405,000 | 776,000 | 1,107,000 | 1,399,000 |
| Net interest income | 1,126,000 | 2,378,000 | 3,757,000 | 5,103,000 |
| Noninterest income | 204,000 | 400,000 | 582,000 | 738,000 |
| Noninterest expense | 1,040,000 | 2,158,000 | 3,203,000 | 4,257,000 |
| Provision for loan losses | 130,000 | 490,000 | 875,000 | 1,025,000 |
| Pretax income | 161,000 | 253,000 | 457,000 | 772,000 |
| Income tax | 2,000 | 2,000 | 2,000 | 2,000 |
| Net income | 159,000 | 251,000 | 455,000 | 770,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,512,000 | 12,593,000 | 12,774,000 | 12,867,000 |
| Total capital | 13,392,000 | 13,414,000 | 13,707,000 | 13,877,000 |
| Risk-weighted assets | 96,605,000 | 95,967,000 | 95,024,000 | 92,163,000 |