Call reports 2015
HOME STATE BANK — 2015
What HOME STATE BANK reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 144,905,000 | 139,484,000 | 139,079,000 | 142,925,000 |
| Total loans | 74,853,000 | 80,130,000 | 82,854,000 | 84,504,000 |
| Allowance for loan losses | 1,325,000 | 1,329,000 | 1,326,000 | 1,295,000 |
| Securities available for sale | 44,401,000 | 38,145,000 | 39,342,000 | 37,081,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 121,956,000 | 117,365,000 | 116,019,000 | 118,247,000 |
| Interest-bearing deposits | 87,521,000 | 84,993,000 | 82,643,000 | 83,225,000 |
| Noninterest-bearing deposits | 34,435,000 | 32,372,000 | 33,376,000 | 35,022,000 |
| Equity capital | 16,624,000 | 16,036,000 | 16,751,000 | 16,625,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 1,263,000 | 2,582,000 | 3,933,000 | 5,266,000 |
| Interest expense | 84,000 | 168,000 | 255,000 | 340,000 |
| Net interest income | 1,179,000 | 2,414,000 | 3,678,000 | 4,926,000 |
| Noninterest income | 288,000 | 576,000 | 923,000 | 1,248,000 |
| Noninterest expense | 1,128,000 | 2,252,000 | 3,399,000 | 4,520,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 386,000 | 866,000 | 1,339,000 | 1,810,000 |
| Income tax | 2,000 | 2,000 | 2,000 | 2,000 |
| Net income | 384,000 | 864,000 | 1,337,000 | 1,808,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 16,371,000 | 16,492,000 | 16,773,000 | 16,673,000 |
| Total capital | 17,682,000 | 17,786,000 | 18,099,000 | 17,968,000 |
| Risk-weighted assets | 104,925,000 | 103,556,000 | 113,666,000 | 116,971,000 |