Call reports 2006
HOME STATE BANK & TRUST COMPANY — 2006
What HOME STATE BANK & TRUST COMPANY reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 102,770,000 | 103,457,000 | 105,523,000 | 103,350,000 |
| Total loans | 67,230,000 | 68,216,000 | 68,739,000 | 68,243,000 |
| Allowance for loan losses | 692,000 | 704,000 | 689,000 | 676,000 |
| Securities available for sale | 20,965,000 | 20,616,000 | 19,858,000 | 19,469,000 |
| Securities held to maturity | 7,225,000 | 7,001,000 | 6,523,000 | 6,995,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 88,943,000 | 84,885,000 | 86,911,000 | 84,899,000 |
| Interest-bearing deposits | 77,472,000 | 75,317,000 | 76,357,000 | 75,259,000 |
| Noninterest-bearing deposits | 11,471,000 | 9,568,000 | 10,554,000 | 9,640,000 |
| Equity capital | 8,143,000 | 7,831,000 | 8,286,000 | 8,533,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 1,460,000 | 3,000,000 | 4,616,000 | 6,291,000 |
| Interest expense | 551,000 | 1,165,000 | 1,827,000 | 2,531,000 |
| Net interest income | 909,000 | 1,835,000 | 2,789,000 | 3,760,000 |
| Noninterest income | 226,000 | 454,000 | 690,000 | 915,000 |
| Noninterest expense | 962,000 | 1,893,000 | 2,803,000 | 3,700,000 |
| Provision for loan losses | 0 | 10,000 | 10,000 | 10,000 |
| Pretax income | 161,000 | 374,000 | 654,000 | 953,000 |
| Income tax | 8,000 | 17,000 | 29,000 | 38,000 |
| Net income | 153,000 | 357,000 | 625,000 | 915,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,646,000 | 8,443,000 | 8,632,000 | 8,842,000 |
| Total capital | 9,338,000 | 9,147,000 | 9,321,000 | 9,518,000 |
| Risk-weighted assets | 69,568,000 | 59,075,000 | 76,653,000 | 73,713,000 |