Call reports 2002
HOME STATE BANK — 2002
What HOME STATE BANK reported to the FFIEC in 2002, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Total assets | 224,391,000 | 230,350,000 | 234,205,000 | 376,754,000 |
| Total loans | 163,559,000 | 169,633,000 | 175,138,000 | 280,678,000 |
| Allowance for loan losses | 2,740,000 | 2,719,000 | 2,599,000 | 4,536,000 |
| Securities available for sale | 45,852,000 | 43,146,000 | 41,670,000 | 47,924,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 202,608,000 | 200,600,000 | 207,704,000 | 324,869,000 |
| Interest-bearing deposits | 161,967,000 | 159,138,000 | 168,374,000 | 261,360,000 |
| Noninterest-bearing deposits | 40,641,000 | 41,462,000 | 39,330,000 | 63,509,000 |
| Equity capital | 17,778,000 | 18,967,000 | 19,831,000 | 30,505,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Interest income | 3,653,000 | 7,387,000 | 11,166,000 | 23,780,000 |
| Interest expense | 1,097,000 | 2,140,000 | 3,161,000 | 7,096,000 |
| Net interest income | 2,556,000 | 5,247,000 | 8,005,000 | 16,684,000 |
| Noninterest income | 478,000 | 985,000 | 1,519,000 | 3,711,000 |
| Noninterest expense | 2,000,000 | 3,926,000 | 6,468,000 | 13,795,000 |
| Provision for loan losses | 0 | 0 | 0 | 1,236,000 |
| Pretax income | 1,034,000 | 2,306,000 | 3,056,000 | 5,364,000 |
| Income tax | 373,000 | 830,000 | 1,093,000 | 1,999,000 |
| Net income | 661,000 | 1,476,000 | 1,963,000 | 3,365,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 17,650,000 | 18,430,000 | 18,882,000 | 29,286,000 |
| Total capital | 19,774,000 | 20,620,000 | 21,120,000 | 32,790,000 |
| Risk-weighted assets | 169,244,000 | 174,912,000 | 178,662,000 | 279,308,000 |