Call reports 2025
HOME STATE BANK — 2025
What HOME STATE BANK reported to the FFIEC in 2025, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Total assets | 211,954,000 | 209,584,000 | 209,385,000 | 208,596,000 |
| Total loans | 112,357,000 | 120,312,000 | 121,012,000 | 119,631,000 |
| Allowance for loan losses | 1,403,000 | 1,365,000 | 1,388,000 | 1,369,000 |
| Securities available for sale | 72,188,000 | 73,003,000 | 71,518,000 | 71,310,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 181,923,000 | 178,720,000 | 181,028,000 | 182,929,000 |
| Interest-bearing deposits | 115,068,000 | 112,807,000 | 115,655,000 | 115,647,000 |
| Noninterest-bearing deposits | 66,855,000 | 65,913,000 | 65,373,000 | 67,282,000 |
| Equity capital | 11,441,000 | 12,591,000 | 14,845,000 | 16,383,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Interest income | 2,388,000 | 4,914,000 | 7,492,000 | 10,082,000 |
| Interest expense | 572,000 | 1,157,000 | 1,754,000 | 2,317,000 |
| Net interest income | 1,816,000 | 3,757,000 | 5,738,000 | 7,765,000 |
| Noninterest income | 305,000 | 601,000 | 921,000 | 1,248,000 |
| Noninterest expense | 1,535,000 | 3,098,000 | 4,734,000 | 6,331,000 |
| Provision for loan losses | 22,000 | 44,000 | 67,000 | 95,000 |
| Pretax income | 564,000 | 1,212,000 | 1,835,000 | 2,554,000 |
| Income tax | 30,000 | 58,000 | 85,000 | 155,000 |
| Net income | 534,000 | 1,154,000 | 1,750,000 | 2,399,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 24,725,000 | 25,055,000 | 25,481,000 | 25,883,000 |
| Total capital | 26,129,000 | 26,421,000 | 26,869,000 | 27,252,000 |
| Risk-weighted assets | 162,709,000 | 170,165,000 | 170,833,000 | 167,006,000 |