Call reports 2002
HOME STATE BANK & TRUST COMPANY — 2002
What HOME STATE BANK & TRUST COMPANY reported to the FFIEC in 2002, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Total assets | 84,276,000 | 84,088,000 | 85,871,000 | 86,019,000 |
| Total loans | 53,810,000 | 53,821,000 | 53,172,000 | 51,955,000 |
| Allowance for loan losses | 660,000 | 657,000 | 661,000 | 644,000 |
| Securities available for sale | 14,473,000 | 13,776,000 | 14,645,000 | 16,825,000 |
| Securities held to maturity | 4,048,000 | 4,401,000 | 4,690,000 | 4,583,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 76,099,000 | 75,673,000 | 77,262,000 | 76,336,000 |
| Interest-bearing deposits | 68,573,000 | 68,402,000 | 68,901,000 | 68,416,000 |
| Noninterest-bearing deposits | 7,526,000 | 7,271,000 | 8,361,000 | 7,920,000 |
| Equity capital | 6,709,000 | 6,888,000 | 6,853,000 | 6,981,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Interest income | 1,397,000 | 2,755,000 | 4,155,000 | 5,529,000 |
| Interest expense | 525,000 | 1,039,000 | 1,538,000 | 1,995,000 |
| Net interest income | 872,000 | 1,716,000 | 2,617,000 | 3,534,000 |
| Noninterest income | 164,000 | 357,000 | 537,000 | 746,000 |
| Noninterest expense | 704,000 | 1,479,000 | 2,241,000 | 3,081,000 |
| Provision for loan losses | 6,000 | 6,000 | 47,000 | 78,000 |
| Pretax income | 326,000 | 588,000 | 866,000 | 1,121,000 |
| Income tax | 7,000 | 20,000 | 34,000 | 43,000 |
| Net income | 319,000 | 568,000 | 832,000 | 1,078,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,618,000 | 6,667,000 | 6,645,000 | 6,792,000 |
| Total capital | 7,278,000 | 7,324,000 | 7,306,000 | 7,436,000 |
| Risk-weighted assets | 55,395,000 | 55,425,000 | 55,285,000 | 54,009,000 |