Call reports 2014
HOME STATE BANK — 2014
What HOME STATE BANK reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 194,067,000 | 194,959,000 | 190,332,000 | 193,373,000 |
| Total loans | 147,916,000 | 160,538,000 | 152,534,000 | 164,848,000 |
| Allowance for loan losses | 1,685,000 | 1,704,000 | 1,741,000 | 1,779,000 |
| Securities available for sale | 25,905,000 | 24,351,000 | 23,155,000 | 18,621,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 168,799,000 | 168,541,000 | 167,069,000 | 170,231,000 |
| Interest-bearing deposits | 143,922,000 | 116,730,000 | 141,818,000 | 142,624,000 |
| Noninterest-bearing deposits | 24,877,000 | 51,811,000 | 25,251,000 | 27,607,000 |
| Equity capital | 15,679,000 | 16,096,000 | 16,302,000 | 16,454,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 1,755,000 | 3,607,000 | 5,483,000 | 7,437,000 |
| Interest expense | 206,000 | 406,000 | 620,000 | 835,000 |
| Net interest income | 1,549,000 | 3,201,000 | 4,863,000 | 6,602,000 |
| Noninterest income | 161,000 | 348,000 | 507,000 | 669,000 |
| Noninterest expense | 1,001,000 | 1,961,000 | 2,947,000 | 4,051,000 |
| Provision for loan losses | 19,000 | 38,000 | 75,000 | 113,000 |
| Pretax income | 690,000 | 1,550,000 | 2,348,000 | 3,164,000 |
| Income tax | 32,000 | 71,000 | 108,000 | 149,000 |
| Net income | 658,000 | 1,479,000 | 2,240,000 | 3,015,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 15,698,000 | 15,998,000 | 16,236,000 | 16,489,000 |
| Total capital | 17,383,000 | 17,702,000 | 17,977,000 | 18,268,000 |
| Risk-weighted assets | 162,613,000 | 171,401,000 | 167,605,000 | 177,214,000 |