Call reports 2004
HOME STATE BANK & TRUST COMPANY — 2004
What HOME STATE BANK & TRUST COMPANY reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 94,931,000 | 94,556,000 | 94,912,000 | 96,271,000 |
| Total loans | 58,069,000 | 61,767,000 | 62,670,000 | 64,026,000 |
| Allowance for loan losses | 719,000 | 717,000 | 752,000 | 745,000 |
| Securities available for sale | 20,451,000 | 19,475,000 | 18,819,000 | 19,367,000 |
| Securities held to maturity | 5,812,000 | 6,544,000 | 5,894,000 | 6,068,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 83,095,000 | 80,983,000 | 82,149,000 | 84,223,000 |
| Interest-bearing deposits | 74,407,000 | 72,434,000 | 74,215,000 | 75,053,000 |
| Noninterest-bearing deposits | 8,688,000 | 8,549,000 | 7,934,000 | 9,170,000 |
| Equity capital | 7,755,000 | 7,432,000 | 7,710,000 | 7,720,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 1,251,000 | 2,541,000 | 3,879,000 | 5,205,000 |
| Interest expense | 362,000 | 715,000 | 1,075,000 | 1,440,000 |
| Net interest income | 889,000 | 1,826,000 | 2,804,000 | 3,765,000 |
| Noninterest income | 180,000 | 370,000 | 555,000 | 613,000 |
| Noninterest expense | 854,000 | 1,683,000 | 2,521,000 | 3,319,000 |
| Provision for loan losses | 0 | 0 | 60,000 | 60,000 |
| Pretax income | 214,000 | 511,000 | 770,000 | 991,000 |
| Income tax | 10,000 | 22,000 | 30,000 | 38,000 |
| Net income | 204,000 | 489,000 | 740,000 | 953,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,584,000 | 7,609,000 | 7,731,000 | 7,814,000 |
| Total capital | 8,303,000 | 8,326,000 | 8,483,000 | 8,559,000 |
| Risk-weighted assets | 60,673,000 | 63,468,000 | 64,901,000 | 64,462,000 |