Call reports 2006
HOME STATE BANK — 2006
What HOME STATE BANK reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 110,180,000 | 108,460,000 | 111,809,000 | 116,676,000 |
| Total loans | 80,428,000 | 86,866,000 | 91,039,000 | 92,343,000 |
| Allowance for loan losses | 1,350,000 | 1,351,000 | 1,344,000 | 1,342,000 |
| Securities available for sale | 12,615,000 | 12,978,000 | 9,832,000 | 11,300,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 96,720,000 | 94,070,000 | 96,674,000 | 102,196,000 |
| Interest-bearing deposits | 82,530,000 | 81,115,000 | 81,144,000 | 86,118,000 |
| Noninterest-bearing deposits | 14,190,000 | 12,955,000 | 15,530,000 | 16,078,000 |
| Equity capital | 11,055,000 | 11,313,000 | 11,594,000 | 11,777,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 1,605,000 | 3,314,000 | 5,112,000 | 6,955,000 |
| Interest expense | 567,000 | 1,210,000 | 1,979,000 | 2,775,000 |
| Net interest income | 1,038,000 | 2,104,000 | 3,133,000 | 4,180,000 |
| Noninterest income | 246,000 | 397,000 | 516,000 | 648,000 |
| Noninterest expense | 629,000 | 1,290,000 | 1,903,000 | 2,558,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 655,000 | 1,211,000 | 1,746,000 | 2,270,000 |
| Income tax | 29,000 | 53,000 | 78,000 | 100,000 |
| Net income | 626,000 | 1,158,000 | 1,668,000 | 2,170,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,063,000 | 11,339,000 | 11,566,000 | 11,743,000 |
| Total capital | 12,134,000 | 12,476,000 | 12,713,000 | 12,960,000 |
| Risk-weighted assets | 85,361,000 | 90,771,000 | 96,252,000 | 97,209,000 |