Call reports 2005
HOME STATE BANK — 2005
What HOME STATE BANK reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 408,578,000 | 419,156,000 | 428,127,000 | 442,053,000 |
| Total loans | 303,564,000 | 315,030,000 | 313,743,000 | 323,348,000 |
| Allowance for loan losses | 4,481,000 | 4,462,000 | 4,496,000 | 4,563,000 |
| Securities available for sale | 79,875,000 | 77,590,000 | 81,462,000 | 84,983,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 344,969,000 | 351,357,000 | 362,071,000 | 380,316,000 |
| Interest-bearing deposits | 273,618,000 | 269,310,000 | 277,969,000 | 288,339,000 |
| Noninterest-bearing deposits | 71,351,000 | 82,047,000 | 84,102,000 | 91,977,000 |
| Equity capital | 36,662,000 | 38,046,000 | 39,039,000 | 37,783,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 5,715,000 | 11,769,000 | 18,063,000 | 24,545,000 |
| Interest expense | 1,370,000 | 2,999,000 | 4,881,000 | 6,894,000 |
| Net interest income | 4,345,000 | 8,770,000 | 13,182,000 | 17,651,000 |
| Noninterest income | 751,000 | 1,936,000 | 3,078,000 | 4,171,000 |
| Noninterest expense | 3,533,000 | 7,246,000 | 10,883,000 | 14,838,000 |
| Provision for loan losses | 154,000 | 309,000 | 464,000 | 567,000 |
| Pretax income | 1,396,000 | 3,121,000 | 4,873,000 | 6,329,000 |
| Income tax | 397,000 | 921,000 | 1,461,000 | 1,793,000 |
| Net income | 999,000 | 2,200,000 | 3,412,000 | 4,536,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 37,522,000 | 38,649,000 | 39,788,000 | 38,838,000 |
| Total capital | 41,514,000 | 42,777,000 | 43,868,000 | 43,058,000 |
| Risk-weighted assets | 318,091,000 | 329,118,000 | 326,044,000 | 336,494,000 |