Call reports 2015
HOME STATE BANK — 2015
What HOME STATE BANK reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 204,028,000 | 205,876,000 | 206,022,000 | 214,847,000 |
| Total loans | 164,396,000 | 167,502,000 | 169,888,000 | 178,229,000 |
| Allowance for loan losses | 1,810,000 | 1,862,000 | 1,915,000 | 1,968,000 |
| Securities available for sale | 17,590,000 | 20,912,000 | 22,342,000 | 18,396,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 181,191,000 | 182,715,000 | 182,612,000 | 192,282,000 |
| Interest-bearing deposits | 149,495,000 | 150,739,000 | 149,838,000 | 152,972,000 |
| Noninterest-bearing deposits | 31,696,000 | 31,976,000 | 32,774,000 | 39,310,000 |
| Equity capital | 16,656,000 | 16,844,000 | 17,218,000 | 17,281,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 1,887,000 | 3,786,000 | 5,768,000 | 7,801,000 |
| Interest expense | 226,000 | 462,000 | 694,000 | 946,000 |
| Net interest income | 1,661,000 | 3,324,000 | 5,074,000 | 6,855,000 |
| Noninterest income | 134,000 | 317,000 | 450,000 | 599,000 |
| Noninterest expense | 981,000 | 1,980,000 | 3,030,000 | 4,291,000 |
| Provision for loan losses | 43,000 | 95,000 | 148,000 | 200,000 |
| Pretax income | 771,000 | 1,566,000 | 2,346,000 | 2,989,000 |
| Income tax | 37,000 | 74,000 | 112,000 | 147,000 |
| Net income | 734,000 | 1,492,000 | 2,234,000 | 2,842,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 16,628,000 | 16,921,000 | 17,184,000 | 17,312,000 |
| Total capital | 18,438,000 | 18,783,000 | 19,099,000 | 19,280,000 |
| Risk-weighted assets | 156,854,000 | 161,450,000 | 168,860,000 | 176,453,000 |