Call reports 2005
HOME STATE BANK — 2005
What HOME STATE BANK reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 118,375,000 | 113,062,000 | 109,125,000 | 115,955,000 |
| Total loans | 87,830,000 | 87,184,000 | 85,210,000 | 87,608,000 |
| Allowance for loan losses | 1,244,000 | 1,289,000 | 1,334,000 | 1,349,000 |
| Securities available for sale | 9,874,000 | 9,308,000 | 8,750,000 | 14,465,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 105,145,000 | 98,876,000 | 95,152,000 | 102,849,000 |
| Interest-bearing deposits | 91,059,000 | 85,763,000 | 80,387,000 | 82,881,000 |
| Noninterest-bearing deposits | 14,086,000 | 13,113,000 | 14,765,000 | 19,968,000 |
| Equity capital | 10,207,000 | 10,564,000 | 10,846,000 | 10,988,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 1,487,000 | 3,056,000 | 4,616,000 | 6,245,000 |
| Interest expense | 398,000 | 846,000 | 1,335,000 | 1,869,000 |
| Net interest income | 1,089,000 | 2,210,000 | 3,281,000 | 4,376,000 |
| Noninterest income | 193,000 | 301,000 | 429,000 | 513,000 |
| Noninterest expense | 610,000 | 1,225,000 | 1,825,000 | 2,450,000 |
| Provision for loan losses | 45,000 | 90,000 | 135,000 | 180,000 |
| Pretax income | 627,000 | 1,196,000 | 1,750,000 | 2,259,000 |
| Income tax | 31,000 | 58,000 | 82,000 | 110,000 |
| Net income | 596,000 | 1,138,000 | 1,668,000 | 2,149,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,186,000 | 10,507,000 | 10,816,000 | 10,980,000 |
| Total capital | 11,327,000 | 11,639,000 | 11,937,000 | 12,072,000 |
| Risk-weighted assets | 91,182,000 | 90,440,000 | 89,457,000 | 90,845,000 |