Call reports 2003
HOME STATE BANK & TRUST COMPANY — 2003
What HOME STATE BANK & TRUST COMPANY 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 | 90,319,000 | 90,519,000 | 91,777,000 | 93,454,000 |
| Total loans | 53,792,000 | 53,422,000 | 54,880,000 | 56,594,000 |
| Allowance for loan losses | 652,000 | 663,000 | 733,000 | 718,000 |
| Securities available for sale | 16,855,000 | 19,427,000 | 19,637,000 | 20,679,000 |
| Securities held to maturity | 4,721,000 | 5,183,000 | 5,492,000 | 5,282,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 80,024,000 | 79,388,000 | 79,926,000 | 81,778,000 |
| Interest-bearing deposits | 71,423,000 | 71,198,000 | 71,954,000 | 72,768,000 |
| Noninterest-bearing deposits | 8,601,000 | 8,190,000 | 7,972,000 | 9,010,000 |
| Equity capital | 7,125,000 | 7,298,000 | 7,357,000 | 7,401,000 |
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 | 1,254,000 | 2,573,000 | 3,909,000 | 5,154,000 |
| Interest expense | 425,000 | 835,000 | 1,226,000 | 1,604,000 |
| Net interest income | 829,000 | 1,738,000 | 2,683,000 | 3,550,000 |
| Noninterest income | 178,000 | 397,000 | 588,000 | 781,000 |
| Noninterest expense | 797,000 | 1,558,000 | 2,420,000 | 3,255,000 |
| Provision for loan losses | 8,000 | 8,000 | 8,000 | 7,000 |
| Pretax income | 202,000 | 569,000 | 843,000 | 1,069,000 |
| Income tax | 8,000 | 12,000 | 26,000 | 36,000 |
| Net income | 194,000 | 557,000 | 817,000 | 1,033,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,986,000 | 7,134,000 | 7,279,000 | 7,380,000 |
| Total capital | 7,638,000 | 7,797,000 | 8,003,000 | 8,098,000 |
| Risk-weighted assets | 55,979,000 | 56,546,000 | 57,917,000 | 59,411,000 |