Call reports 2003
HOME STATE BANK — 2003
What HOME STATE BANK reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 110,179,000 | 109,359,000 | 108,880,000 | 111,054,000 |
| Total loans | 74,285,000 | 78,107,000 | 79,233,000 | 83,303,000 |
| Allowance for loan losses | 1,122,000 | 1,126,000 | 1,140,000 | 1,105,000 |
| Securities available for sale | 19,479,000 | 18,049,000 | 15,824,000 | 14,029,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 98,818,000 | 97,405,000 | 96,609,000 | 99,216,000 |
| Interest-bearing deposits | 88,741,000 | 84,932,000 | 83,399,000 | 85,558,000 |
| Noninterest-bearing deposits | 10,077,000 | 12,473,000 | 13,210,000 | 13,658,000 |
| Equity capital | 8,686,000 | 9,068,000 | 9,399,000 | 9,667,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 1,411,000 | 2,805,000 | 4,223,000 | 5,616,000 |
| Interest expense | 514,000 | 1,000,000 | 1,415,000 | 1,800,000 |
| Net interest income | 897,000 | 1,805,000 | 2,808,000 | 3,816,000 |
| Noninterest income | 147,000 | 348,000 | 490,000 | 644,000 |
| Noninterest expense | 574,000 | 1,139,000 | 1,724,000 | 2,286,000 |
| Provision for loan losses | 15,000 | 30,000 | 45,000 | 60,000 |
| Pretax income | 455,000 | 984,000 | 1,529,000 | 2,114,000 |
| Income tax | 32,000 | 69,000 | 108,000 | 144,000 |
| Net income | 423,000 | 915,000 | 1,421,000 | 1,970,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,305,000 | 8,714,000 | 9,136,000 | 9,463,000 |
| Total capital | 9,276,000 | 9,715,000 | 10,163,000 | 10,529,000 |
| Risk-weighted assets | 78,070,000 | 80,523,000 | 82,034,000 | 85,269,000 |