Call reports 2003
HOME LOAN STATE BANK — 2003
What HOME LOAN STATE BANK reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 46,358,000 | 47,120,000 | 49,718,000 | 48,094,000 |
| Total loans | 21,673,000 | 22,815,000 | 23,714,000 | 22,913,000 |
| Allowance for loan losses | 333,000 | 197,000 | 162,000 | 177,000 |
| Securities available for sale | 22,378,000 | 18,326,000 | 19,383,000 | 15,817,000 |
| Securities held to maturity | 1,596,000 | 1,570,000 | 1,559,000 | 3,053,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 38,783,000 | 39,419,000 | 41,511,000 | 39,847,000 |
| Interest-bearing deposits | 38,778,000 | 39,415,000 | 41,507,000 | 39,843,000 |
| Noninterest-bearing deposits | 5,000 | 4,000 | 4,000 | 4,000 |
| Equity capital | 2,935,000 | 3,034,000 | 3,424,000 | 3,482,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 692,000 | 1,479,000 | 2,241,000 | 3,068,000 |
| Interest expense | 449,000 | 862,000 | 1,278,000 | 1,676,000 |
| Net interest income | 243,000 | 617,000 | 963,000 | 1,392,000 |
| Noninterest income | 0 | 0 | 0 | -6,000 |
| Noninterest expense | 230,000 | 497,000 | 754,000 | 988,000 |
| Provision for loan losses | 30,000 | -45,000 | -15,000 | 15,000 |
| Pretax income | 34,000 | 189,000 | 248,000 | 407,000 |
| Income tax | 12,000 | 76,000 | 88,000 | 139,000 |
| Net income | 22,000 | 113,000 | 160,000 | 268,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,852,000 | 3,004,000 | 3,401,000 | 3,482,000 |
| Total capital | 3,175,000 | 3,201,000 | 3,580,000 | 3,659,000 |
| Risk-weighted assets | 25,849,000 | 29,592,000 | 31,571,000 | 31,606,000 |
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