Call reports 2002
HOME STATE BANK — 2002
What HOME STATE BANK reported to the FFIEC in 2002, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Total assets | 103,716,000 | 99,088,000 | 103,320,000 | 108,356,000 |
| Total loans | 69,242,000 | 68,454,000 | 72,076,000 | 74,734,000 |
| Allowance for loan losses | 964,000 | 974,000 | 981,000 | 990,000 |
| Securities available for sale | 9,647,000 | 15,405,000 | 15,445,000 | 19,791,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 93,831,000 | 88,773,000 | 92,225,000 | 97,073,000 |
| Interest-bearing deposits | 84,178,000 | 81,728,000 | 82,464,000 | 85,426,000 |
| Noninterest-bearing deposits | 9,653,000 | 7,045,000 | 9,761,000 | 11,647,000 |
| Equity capital | 7,910,000 | 8,265,000 | 8,756,000 | 8,552,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Interest income | 1,462,000 | 2,940,000 | 4,427,000 | 5,902,000 |
| Interest expense | 693,000 | 1,324,000 | 1,919,000 | 2,486,000 |
| Net interest income | 769,000 | 1,616,000 | 2,508,000 | 3,416,000 |
| Noninterest income | 119,000 | 319,000 | 446,000 | 574,000 |
| Noninterest expense | 528,000 | 1,035,000 | 1,568,000 | 2,103,000 |
| Provision for loan losses | 15,000 | 30,000 | 45,000 | 60,000 |
| Pretax income | 345,000 | 870,000 | 1,341,000 | 1,827,000 |
| Income tax | 226,000 | 250,000 | 273,000 | 295,000 |
| Net income | 119,000 | 620,000 | 1,068,000 | 1,532,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,594,000 | 7,839,000 | 8,295,000 | 8,101,000 |
| Total capital | 8,504,000 | 8,723,000 | 9,225,000 | 9,062,000 |
| Risk-weighted assets | 72,755,000 | 71,061,000 | 74,356,000 | 77,429,000 |