Call reports 2013
HOME STATE BANK — 2013
What HOME STATE BANK reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 194,922,000 | 182,134,000 | 184,463,000 | 192,602,000 |
| Total loans | 134,477,000 | 140,333,000 | 140,762,000 | 150,782,000 |
| Allowance for loan losses | 1,640,000 | 1,656,000 | 1,651,000 | 1,666,000 |
| Securities available for sale | 25,821,000 | 29,517,000 | 26,886,000 | 25,478,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 168,742,000 | 155,747,000 | 156,967,000 | 162,294,000 |
| Interest-bearing deposits | 143,850,000 | 134,515,000 | 134,692,000 | 136,800,000 |
| Noninterest-bearing deposits | 24,892,000 | 21,232,000 | 22,275,000 | 25,494,000 |
| Equity capital | 15,144,000 | 14,861,000 | 15,332,000 | 15,545,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 1,694,000 | 3,395,000 | 5,161,000 | 6,937,000 |
| Interest expense | 231,000 | 456,000 | 670,000 | 879,000 |
| Net interest income | 1,463,000 | 2,939,000 | 4,491,000 | 6,058,000 |
| Noninterest income | 147,000 | 430,000 | 577,000 | 742,000 |
| Noninterest expense | 922,000 | 1,828,000 | 2,760,000 | 3,786,000 |
| Provision for loan losses | 15,000 | 30,000 | 45,000 | 60,000 |
| Pretax income | 673,000 | 1,511,000 | 2,263,000 | 2,956,000 |
| Income tax | 32,000 | 71,000 | 106,000 | 136,000 |
| Net income | 641,000 | 1,440,000 | 2,157,000 | 2,820,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 14,965,000 | 15,237,000 | 15,427,000 | 15,562,000 |
| Total capital | 16,605,000 | 16,893,000 | 17,078,000 | 17,228,000 |
| Risk-weighted assets | 139,949,000 | 145,234,000 | 147,372,000 | 156,690,000 |