Call reports 2008
HOME STATE BANK — 2008
What HOME STATE BANK reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 125,836,000 | 120,572,000 | 119,220,000 | 121,890,000 |
| Total loans | 91,480,000 | 96,605,000 | 95,239,000 | 95,863,000 |
| Allowance for loan losses | 1,310,000 | 1,339,000 | 1,481,000 | 1,571,000 |
| Securities available for sale | 15,946,000 | 15,512,000 | 13,876,000 | 15,310,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 107,819,000 | 102,911,000 | 101,732,000 | 105,373,000 |
| Interest-bearing deposits | 95,374,000 | 90,908,000 | 89,332,000 | 91,147,000 |
| Noninterest-bearing deposits | 12,445,000 | 12,003,000 | 12,400,000 | 14,226,000 |
| Equity capital | 12,960,000 | 12,721,000 | 12,910,000 | 13,213,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 1,785,000 | 3,513,000 | 5,285,000 | 6,941,000 |
| Interest expense | 813,000 | 1,499,000 | 2,121,000 | 2,695,000 |
| Net interest income | 972,000 | 2,014,000 | 3,164,000 | 4,246,000 |
| Noninterest income | 167,000 | 391,000 | 535,000 | 713,000 |
| Noninterest expense | 647,000 | 1,319,000 | 1,959,000 | 2,601,000 |
| Provision for loan losses | 0 | 30,000 | 210,000 | 350,000 |
| Pretax income | 492,000 | 1,056,000 | 1,530,000 | 2,008,000 |
| Income tax | 21,000 | 44,000 | 64,000 | 83,000 |
| Net income | 471,000 | 1,012,000 | 1,466,000 | 1,925,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,678,000 | 12,639,000 | 12,806,000 | 12,976,000 |
| Total capital | 13,908,000 | 13,911,000 | 14,054,000 | 14,232,000 |
| Risk-weighted assets | 98,352,000 | 101,655,000 | 99,624,000 | 100,151,000 |