Call reports 2009
HOME STATE BANK & TRUST COMPANY — 2009
What HOME STATE BANK & TRUST COMPANY reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 121,710,000 | 123,061,000 | 120,303,000 | 124,711,000 |
| Total loans | 70,674,000 | 71,211,000 | 71,386,000 | 73,573,000 |
| Allowance for loan losses | 874,000 | 916,000 | 920,000 | 1,006,000 |
| Securities available for sale | 29,249,000 | 30,699,000 | 27,657,000 | 26,123,000 |
| Securities held to maturity | 9,596,000 | 10,640,000 | 10,448,000 | 11,306,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 93,214,000 | 95,872,000 | 93,546,000 | 97,165,000 |
| Interest-bearing deposits | 78,989,000 | 82,585,000 | 82,085,000 | 84,761,000 |
| Noninterest-bearing deposits | 14,225,000 | 13,287,000 | 11,461,000 | 12,404,000 |
| Equity capital | 9,498,000 | 9,575,000 | 10,168,000 | 9,904,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 1,607,000 | 3,270,000 | 4,916,000 | 6,469,000 |
| Interest expense | 528,000 | 1,031,000 | 1,510,000 | 1,971,000 |
| Net interest income | 1,079,000 | 2,239,000 | 3,406,000 | 4,498,000 |
| Noninterest income | 259,000 | 519,000 | 619,000 | 657,000 |
| Noninterest expense | 1,025,000 | 2,023,000 | 3,155,000 | 4,327,000 |
| Provision for loan losses | 0 | 47,000 | 76,000 | 207,000 |
| Pretax income | 313,000 | 688,000 | 748,000 | 607,000 |
| Income tax | -9,000 | 3,000 | 11,000 | 15,000 |
| Net income | 322,000 | 685,000 | 737,000 | 592,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,677,000 | 10,004,000 | 10,039,000 | 9,875,000 |
| Total capital | 10,551,000 | 10,920,000 | 10,959,000 | 10,881,000 |
| Risk-weighted assets | 86,212,000 | 92,067,000 | 94,623,000 | 98,649,000 |