Call reports 2025
HOME STATE BANK/NATIONAL ASSOCIATION — 2025
What HOME STATE BANK/NATIONAL ASSOCIATION 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 | 746,847,000 | 760,916,000 | 759,782,000 | 768,003,000 |
| Total loans | 485,076,000 | 493,895,000 | 502,722,000 | 497,705,000 |
| Allowance for loan losses | 6,058,000 | 5,584,000 | 5,707,000 | 6,205,000 |
| Securities available for sale | 165,532,000 | 170,665,000 | 164,788,000 | 169,285,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 664,954,000 | 678,898,000 | 673,514,000 | 677,370,000 |
| Interest-bearing deposits | 462,563,000 | 475,336,000 | 470,587,000 | 469,126,000 |
| Noninterest-bearing deposits | 202,391,000 | 203,562,000 | 202,927,000 | 208,244,000 |
| Equity capital | 75,784,000 | 75,316,000 | 79,390,000 | 82,045,000 |
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 | 8,566,000 | 17,700,000 | 27,234,000 | 36,944,000 |
| Interest expense | 2,496,000 | 5,049,000 | 7,588,000 | 9,950,000 |
| Net interest income | 6,070,000 | 12,651,000 | 19,646,000 | 26,994,000 |
| Noninterest income | 1,544,000 | 3,576,000 | 5,496,000 | 7,836,000 |
| Noninterest expense | 5,953,000 | 12,313,000 | 18,666,000 | 25,115,000 |
| Provision for loan losses | 0 | 20,000 | 135,000 | 615,000 |
| Pretax income | 1,661,000 | 3,894,000 | 6,341,000 | 9,100,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 1,661,000 | 3,894,000 | 6,341,000 | 9,100,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 92,091,000 | 89,990,000 | 91,852,000 | 93,025,000 |
| Total capital | 98,140,000 | 95,918,000 | 97,904,000 | 99,322,000 |
| Risk-weighted assets | 483,585,000 | 492,099,000 | 500,758,000 | 503,523,000 |
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