Call reports 2008
HOME STATE BANK — 2008
What HOME STATE BANK reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 78,256,000 | 82,205,000 | 82,256,000 | 83,980,000 |
| Total loans | 68,981,000 | 70,138,000 | 70,607,000 | 68,904,000 |
| Allowance for loan losses | 933,000 | 967,000 | 995,000 | 978,000 |
| Securities available for sale | 1,131,000 | 1,115,000 | 1,116,000 | 915,000 |
| Securities held to maturity | 2,640,000 | 2,655,000 | 2,385,000 | 2,025,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 54,893,000 | 56,090,000 | 56,105,000 | 54,383,000 |
| Interest-bearing deposits | 45,948,000 | 48,222,000 | 48,131,000 | 45,475,000 |
| Noninterest-bearing deposits | 8,945,000 | 7,867,000 | 7,973,000 | 8,909,000 |
| Equity capital | 7,805,000 | 8,157,000 | 8,175,000 | 8,568,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 1,392,000 | 2,799,000 | 4,191,000 | 5,631,000 |
| Interest expense | 517,000 | 982,000 | 1,477,000 | 1,955,000 |
| Net interest income | 875,000 | 1,817,000 | 2,714,000 | 3,676,000 |
| Noninterest income | 53,000 | 108,000 | 161,000 | 220,000 |
| Noninterest expense | 458,000 | 906,000 | 1,358,000 | 1,855,000 |
| Provision for loan losses | 30,000 | 60,000 | 90,000 | 120,000 |
| Pretax income | 440,000 | 959,000 | 1,427,000 | 1,921,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 440,000 | 959,000 | 1,427,000 | 1,921,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,770,000 | 8,138,000 | 8,156,000 | 8,550,000 |
| Total capital | 8,642,000 | 9,037,000 | 9,086,000 | 9,498,000 |
| Risk-weighted assets | 69,694,000 | 71,816,000 | 74,336,000 | 75,832,000 |
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