Call reports 2003
HOME STATE BANK — 2003
What HOME STATE BANK reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 369,614,000 | 372,695,000 | 379,200,000 | 391,392,000 |
| Total loans | 275,127,000 | 272,511,000 | 272,764,000 | 283,592,000 |
| Allowance for loan losses | 4,530,000 | 4,842,000 | 4,919,000 | 4,913,000 |
| Securities available for sale | 57,808,000 | 70,944,000 | 77,833,000 | 77,761,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 316,515,000 | 320,307,000 | 325,008,000 | 332,207,000 |
| Interest-bearing deposits | 260,198,000 | 257,611,000 | 260,930,000 | 266,553,000 |
| Noninterest-bearing deposits | 56,317,000 | 62,696,000 | 64,078,000 | 65,654,000 |
| Equity capital | 31,659,000 | 32,296,000 | 32,216,000 | 33,251,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 5,692,000 | 11,155,000 | 16,663,000 | 22,015,000 |
| Interest expense | 1,495,000 | 2,963,000 | 4,380,000 | 5,709,000 |
| Net interest income | 4,197,000 | 8,192,000 | 12,283,000 | 16,306,000 |
| Noninterest income | 1,001,000 | 2,024,000 | 3,029,000 | 3,986,000 |
| Noninterest expense | 3,320,000 | 6,772,000 | 10,345,000 | 13,985,000 |
| Provision for loan losses | 150,000 | 546,000 | 790,000 | 918,000 |
| Pretax income | 1,877,000 | 3,066,000 | 4,405,000 | 5,587,000 |
| Income tax | 665,000 | 1,065,000 | 1,483,000 | 1,849,000 |
| Net income | 1,212,000 | 2,001,000 | 2,922,000 | 3,738,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 30,446,000 | 31,108,000 | 31,915,000 | 32,738,000 |
| Total capital | 33,967,000 | 34,723,000 | 35,557,000 | 36,432,000 |
| Risk-weighted assets | 280,694,000 | 287,972,000 | 290,116,000 | 294,309,000 |