Call reports 2007
HOME STATE BANK — 2007
What HOME STATE BANK reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 119,618,000 | 113,585,000 | 116,918,000 | 121,058,000 |
| Total loans | 90,446,000 | 90,559,000 | 94,813,000 | 87,061,000 |
| Allowance for loan losses | 1,342,000 | 1,342,000 | 1,327,000 | 1,309,000 |
| Securities available for sale | 10,589,000 | 8,910,000 | 11,304,000 | 13,606,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 104,209,000 | 97,908,000 | 99,979,000 | 103,138,000 |
| Interest-bearing deposits | 88,739,000 | 87,750,000 | 86,977,000 | 89,226,000 |
| Noninterest-bearing deposits | 15,470,000 | 10,158,000 | 13,002,000 | 13,912,000 |
| Equity capital | 11,991,000 | 12,258,000 | 12,637,000 | 12,941,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 1,854,000 | 3,749,000 | 5,683,000 | 7,607,000 |
| Interest expense | 835,000 | 1,704,000 | 2,597,000 | 3,498,000 |
| Net interest income | 1,019,000 | 2,045,000 | 3,086,000 | 4,109,000 |
| Noninterest income | 146,000 | 368,000 | 535,000 | 700,000 |
| Noninterest expense | 647,000 | 1,273,000 | 1,883,000 | 2,518,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 518,000 | 1,140,000 | 1,738,000 | 2,291,000 |
| Income tax | 20,000 | 46,000 | 69,000 | 90,000 |
| Net income | 498,000 | 1,094,000 | 1,669,000 | 2,201,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,955,000 | 12,265,000 | 12,554,000 | 12,799,000 |
| Total capital | 13,193,000 | 13,474,000 | 13,827,000 | 14,006,000 |
| Risk-weighted assets | 98,903,000 | 96,591,000 | 101,753,000 | 96,475,000 |