Call reports 2009
HOME STATE BANK — 2009
What HOME STATE BANK reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 127,258,000 | 130,962,000 | 132,326,000 | 130,600,000 |
| Total loans | 96,604,000 | 94,270,000 | 94,632,000 | 103,498,000 |
| Allowance for loan losses | 1,602,000 | 1,578,000 | 1,507,000 | 1,540,000 |
| Securities available for sale | 16,177,000 | 14,599,000 | 12,864,000 | 11,243,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 110,823,000 | 110,693,000 | 109,995,000 | 111,058,000 |
| Interest-bearing deposits | 97,724,000 | 97,637,000 | 95,473,000 | 79,752,000 |
| Noninterest-bearing deposits | 13,099,000 | 13,056,000 | 14,522,000 | 31,306,000 |
| Equity capital | 12,743,000 | 13,007,000 | 13,244,000 | 13,533,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 1,592,000 | 3,205,000 | 4,796,000 | 6,412,000 |
| Interest expense | 541,000 | 1,032,000 | 1,487,000 | 1,904,000 |
| Net interest income | 1,051,000 | 2,173,000 | 3,309,000 | 4,508,000 |
| Noninterest income | 137,000 | 321,000 | 471,000 | 616,000 |
| Noninterest expense | 708,000 | 1,446,000 | 2,168,000 | 2,853,000 |
| Provision for loan losses | 45,000 | 90,000 | 135,000 | 180,000 |
| Pretax income | 435,000 | 958,000 | 1,477,000 | 2,091,000 |
| Income tax | 18,000 | 43,000 | 66,000 | 93,000 |
| Net income | 417,000 | 915,000 | 1,411,000 | 1,998,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,503,000 | 12,767,000 | 13,023,000 | 13,370,000 |
| Total capital | 13,775,000 | 14,018,000 | 14,253,000 | 14,717,000 |
| Risk-weighted assets | 101,431,000 | 99,714,000 | 98,151,000 | 107,377,000 |