Call reports 2010
HOME STATE BANK & TRUST COMPANY — 2010
What HOME STATE BANK & TRUST COMPANY reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 130,494,000 | 130,026,000 | 131,370,000 | 129,827,000 |
| Total loans | 75,105,000 | 73,080,000 | 71,352,000 | 70,113,000 |
| Allowance for loan losses | 995,000 | 996,000 | 979,000 | 1,088,000 |
| Securities available for sale | 27,939,000 | 28,634,000 | 30,800,000 | 32,781,000 |
| Securities held to maturity | 12,875,000 | 14,385,000 | 14,465,000 | 15,364,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 101,641,000 | 101,919,000 | 103,197,000 | 103,263,000 |
| Interest-bearing deposits | 88,759,000 | 89,105,000 | 90,225,000 | 88,705,000 |
| Noninterest-bearing deposits | 12,882,000 | 12,814,000 | 12,972,000 | 14,558,000 |
| Equity capital | 10,417,000 | 10,773,000 | 11,046,000 | 10,635,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 1,563,000 | 3,150,000 | 4,717,000 | 6,255,000 |
| Interest expense | 453,000 | 903,000 | 1,308,000 | 1,693,000 |
| Net interest income | 1,110,000 | 2,247,000 | 3,409,000 | 4,562,000 |
| Noninterest income | 269,000 | 492,000 | 856,000 | 1,336,000 |
| Noninterest expense | 1,051,000 | 2,154,000 | 3,251,000 | 4,608,000 |
| Provision for loan losses | 0 | 0 | 43,000 | 141,000 |
| Pretax income | 329,000 | 586,000 | 1,014,000 | 1,192,000 |
| Income tax | 1,000 | 13,000 | 25,000 | 33,000 |
| Net income | 328,000 | 573,000 | 989,000 | 1,159,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,202,000 | 10,259,000 | 10,578,000 | 10,652,000 |
| Total capital | 11,197,000 | 11,255,000 | 11,557,000 | 11,740,000 |
| Risk-weighted assets | 100,259,000 | 98,451,000 | 96,324,000 | 99,305,000 |