Call reports 2003
HOME STATE BANK — 2003
What HOME 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 | 62,302,000 | 63,703,000 | 61,979,000 | 62,841,000 |
| Total loans | 50,012,000 | 49,879,000 | 49,640,000 | 48,483,000 |
| Allowance for loan losses | 750,000 | 802,000 | 811,000 | 769,000 |
| Securities available for sale | 6,019,000 | 6,390,000 | 6,285,000 | 6,381,000 |
| Securities held to maturity | 775,000 | 882,000 | 890,000 | 890,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 47,991,000 | 48,275,000 | 46,422,000 | 47,769,000 |
| Interest-bearing deposits | 41,795,000 | 42,405,000 | 39,726,000 | 39,921,000 |
| Noninterest-bearing deposits | 6,196,000 | 5,870,000 | 6,696,000 | 7,847,000 |
| Equity capital | 6,774,000 | 6,902,000 | 6,918,000 | 6,542,000 |
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 | 1,067,000 | 2,166,000 | 3,229,000 | 4,226,000 |
| Interest expense | 398,000 | 790,000 | 1,154,000 | 1,485,000 |
| Net interest income | 669,000 | 1,376,000 | 2,075,000 | 2,741,000 |
| Noninterest income | 58,000 | 128,000 | 205,000 | 285,000 |
| Noninterest expense | 251,000 | 567,000 | 927,000 | 1,316,000 |
| Provision for loan losses | 10,000 | 90,000 | 100,000 | 100,000 |
| Pretax income | 466,000 | 847,000 | 1,253,000 | 1,610,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 466,000 | 847,000 | 1,253,000 | 1,610,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,588,000 | 6,672,000 | 6,802,000 | 6,459,000 |
| Total capital | 7,168,000 | 7,254,000 | 7,381,000 | 7,029,000 |
| Risk-weighted assets | 46,195,000 | 46,304,000 | 46,064,000 | 45,369,000 |
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