Call reports 2008
HOME STATE BANK & TRUST COMPANY — 2008
What HOME STATE BANK & TRUST COMPANY reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 113,801,000 | 114,932,000 | 112,705,000 | 114,755,000 |
| Total loans | 73,770,000 | 74,558,000 | 72,705,000 | 70,154,000 |
| Allowance for loan losses | 723,000 | 985,000 | 1,343,000 | 871,000 |
| Securities available for sale | 17,089,000 | 19,717,000 | 21,250,000 | 24,173,000 |
| Securities held to maturity | 7,521,000 | 7,822,000 | 8,273,000 | 8,470,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 92,123,000 | 93,283,000 | 91,218,000 | 88,675,000 |
| Interest-bearing deposits | 81,678,000 | 82,516,000 | 80,813,000 | 12,463,000 |
| Noninterest-bearing deposits | 10,445,000 | 10,767,000 | 10,405,000 | 76,212,000 |
| Equity capital | 9,625,000 | 8,897,000 | 8,688,000 | 9,033,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 1,749,000 | 3,433,000 | 5,146,000 | 6,760,000 |
| Interest expense | 709,000 | 1,366,000 | 1,987,000 | 2,551,000 |
| Net interest income | 1,040,000 | 2,067,000 | 3,159,000 | 4,209,000 |
| Noninterest income | 271,000 | 514,000 | 727,000 | 945,000 |
| Noninterest expense | 976,000 | 1,985,000 | 2,962,000 | 3,911,000 |
| Provision for loan losses | 0 | 275,000 | 636,000 | 636,000 |
| Pretax income | 364,000 | 350,000 | 317,000 | 636,000 |
| Income tax | 12,000 | 24,000 | 36,000 | 44,000 |
| Net income | 352,000 | 326,000 | 281,000 | 592,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,717,000 | 9,254,000 | 9,126,000 | 9,354,000 |
| Total capital | 10,440,000 | 10,239,000 | 10,107,000 | 10,225,000 |
| Risk-weighted assets | 79,677,000 | 82,051,000 | 78,095,000 | 81,451,000 |