Call reports 2004
HOME STATE BANK — 2004
What HOME STATE BANK reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 385,710,000 | 392,995,000 | 398,140,000 | 401,654,000 |
| Total loans | 288,675,000 | 291,058,000 | 295,836,000 | 298,765,000 |
| Allowance for loan losses | 5,126,000 | 5,091,000 | 4,871,000 | 4,294,000 |
| Securities available for sale | 67,804,000 | 70,332,000 | 78,941,000 | 78,957,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 330,306,000 | 329,357,000 | 337,115,000 | 342,978,000 |
| Interest-bearing deposits | 263,499,000 | 259,798,000 | 265,926,000 | 264,335,000 |
| Noninterest-bearing deposits | 66,808,000 | 69,559,000 | 71,189,000 | 78,642,000 |
| Equity capital | 34,501,000 | 34,302,000 | 36,215,000 | 36,441,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 5,334,000 | 10,650,000 | 16,127,000 | 21,646,000 |
| Interest expense | 1,219,000 | 2,403,000 | 3,613,000 | 4,893,000 |
| Net interest income | 4,115,000 | 8,247,000 | 12,514,000 | 16,753,000 |
| Noninterest income | 1,125,000 | 2,427,000 | 3,566,000 | 4,550,000 |
| Noninterest expense | 3,326,000 | 6,752,000 | 10,683,000 | 14,347,000 |
| Provision for loan losses | 345,000 | 345,000 | 345,000 | 345,000 |
| Pretax income | 1,670,000 | 3,735,000 | 5,168,000 | 6,746,000 |
| Income tax | 565,000 | 1,261,000 | 1,606,000 | 2,094,000 |
| Net income | 1,105,000 | 2,474,000 | 3,562,000 | 4,652,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 33,782,000 | 35,090,000 | 36,067,000 | 36,591,000 |
| Total capital | 37,536,000 | 38,871,000 | 39,905,000 | 40,446,000 |
| Risk-weighted assets | 298,977,000 | 301,201,000 | 306,028,000 | 307,948,000 |