Call reports 2004
HOME STATE BANK — 2004
What HOME STATE BANK reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 113,155,000 | 114,015,000 | 111,690,000 | 113,078,000 |
| Total loans | 81,348,000 | 81,641,000 | 84,964,000 | 86,162,000 |
| Allowance for loan losses | 1,112,000 | 1,149,000 | 1,188,000 | 1,199,000 |
| Securities available for sale | 12,916,000 | 11,375,000 | 12,352,000 | 14,367,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 101,303,000 | 102,228,000 | 98,779,000 | 99,791,000 |
| Interest-bearing deposits | 87,335,000 | 88,766,000 | 84,303,000 | 85,273,000 |
| Noninterest-bearing deposits | 13,968,000 | 13,462,000 | 14,476,000 | 14,518,000 |
| Equity capital | 9,723,000 | 9,395,000 | 9,767,000 | 10,001,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 1,357,000 | 2,685,000 | 4,078,000 | 5,503,000 |
| Interest expense | 365,000 | 730,000 | 1,100,000 | 1,477,000 |
| Net interest income | 992,000 | 1,955,000 | 2,978,000 | 4,026,000 |
| Noninterest income | 161,000 | 312,000 | 430,000 | 525,000 |
| Noninterest expense | 568,000 | 1,171,000 | 1,745,000 | 2,316,000 |
| Provision for loan losses | 15,000 | 445,000 | 480,000 | 525,000 |
| Pretax income | 570,000 | 651,000 | 1,183,000 | 1,710,000 |
| Income tax | 28,000 | 31,000 | 58,000 | 84,000 |
| Net income | 542,000 | 620,000 | 1,125,000 | 1,626,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,513,000 | 9,297,000 | 9,636,000 | 9,909,000 |
| Total capital | 10,552,000 | 10,341,000 | 10,725,000 | 11,022,000 |
| Risk-weighted assets | 83,021,000 | 83,454,000 | 86,390,000 | 88,988,000 |