Call reports 2007
HOME STATE BANK & TRUST COMPANY — 2007
What HOME STATE BANK & TRUST COMPANY reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 107,268,000 | 106,108,000 | 108,729,000 | 111,340,000 |
| Total loans | 70,541,000 | 73,342,000 | 74,498,000 | 74,824,000 |
| Allowance for loan losses | 666,000 | 667,000 | 729,000 | 727,000 |
| Securities available for sale | 18,610,000 | 16,875,000 | 16,644,000 | 16,513,000 |
| Securities held to maturity | 7,091,000 | 7,349,000 | 6,964,000 | 6,677,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 88,608,000 | 86,407,000 | 87,166,000 | 89,622,000 |
| Interest-bearing deposits | 78,627,000 | 77,261,000 | 77,239,000 | 78,967,000 |
| Noninterest-bearing deposits | 9,981,000 | 9,146,000 | 9,927,000 | 10,655,000 |
| Equity capital | 8,889,000 | 8,866,000 | 9,087,000 | 9,258,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 1,656,000 | 3,411,000 | 5,230,000 | 7,057,000 |
| Interest expense | 720,000 | 1,475,000 | 2,267,000 | 3,053,000 |
| Net interest income | 936,000 | 1,936,000 | 2,963,000 | 4,004,000 |
| Noninterest income | 261,000 | 540,000 | 844,000 | 1,077,000 |
| Noninterest expense | 906,000 | 1,843,000 | 2,811,000 | 3,854,000 |
| Provision for loan losses | 0 | 0 | 89,000 | 89,000 |
| Pretax income | 291,000 | 633,000 | 907,000 | 1,133,000 |
| Income tax | 6,000 | 22,000 | 36,000 | 40,000 |
| Net income | 285,000 | 611,000 | 871,000 | 1,093,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,127,000 | 9,168,000 | 9,286,000 | 9,365,000 |
| Total capital | 9,793,000 | 9,835,000 | 10,015,000 | 10,092,000 |
| Risk-weighted assets | 77,232,000 | 79,995,000 | 80,737,000 | 81,648,000 |