Call reports 2005
HOME STATE BANK & TRUST COMPANY — 2005
What HOME STATE BANK & TRUST COMPANY reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 99,375,000 | 98,674,000 | 100,214,000 | 101,513,000 |
| Total loans | 62,614,000 | 63,565,000 | 63,111,000 | 66,032,000 |
| Allowance for loan losses | 691,000 | 720,000 | 696,000 | 722,000 |
| Securities available for sale | 19,861,000 | 20,576,000 | 20,782,000 | 21,080,000 |
| Securities held to maturity | 6,315,000 | 6,835,000 | 6,912,000 | 6,585,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 87,568,000 | 85,788,000 | 87,734,000 | 87,747,000 |
| Interest-bearing deposits | 78,483,000 | 76,631,000 | 77,571,000 | 78,361,000 |
| Noninterest-bearing deposits | 9,085,000 | 9,157,000 | 10,163,000 | 9,386,000 |
| Equity capital | 7,726,000 | 8,006,000 | 7,985,000 | 8,049,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 1,303,000 | 2,649,000 | 4,030,000 | 5,470,000 |
| Interest expense | 395,000 | 818,000 | 1,283,000 | 1,794,000 |
| Net interest income | 908,000 | 1,831,000 | 2,747,000 | 3,676,000 |
| Noninterest income | 191,000 | 431,000 | 711,000 | 985,000 |
| Noninterest expense | 885,000 | 1,778,000 | 2,707,000 | 3,585,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 214,000 | 484,000 | 750,000 | 1,075,000 |
| Income tax | 9,000 | 18,000 | 29,000 | 42,000 |
| Net income | 205,000 | 466,000 | 721,000 | 1,033,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,033,000 | 8,177,000 | 8,303,000 | 8,493,000 |
| Total capital | 8,724,000 | 8,897,000 | 8,999,000 | 9,215,000 |
| Risk-weighted assets | 64,307,000 | 66,193,000 | 66,310,000 | 68,490,000 |