Call reports 2006
HOME STATE BANK — 2006
What HOME STATE BANK reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 452,821,000 | 457,330,000 | 457,878,000 | 467,929,000 |
| Total loans | 333,110,000 | 328,633,000 | 332,727,000 | 338,010,000 |
| Allowance for loan losses | 4,281,000 | 4,328,000 | 4,188,000 | 4,272,000 |
| Securities available for sale | 91,292,000 | 92,509,000 | 89,062,000 | 92,526,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 375,203,000 | 378,256,000 | 395,798,000 | 415,335,000 |
| Interest-bearing deposits | 295,173,000 | 297,143,000 | 317,598,000 | 332,827,000 |
| Noninterest-bearing deposits | 80,030,000 | 81,113,000 | 78,200,000 | 82,509,000 |
| Equity capital | 38,171,000 | 38,486,000 | 40,047,000 | 41,429,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 6,607,000 | 13,640,000 | 20,847,000 | 28,252,000 |
| Interest expense | 2,315,000 | 5,065,000 | 8,011,000 | 11,122,000 |
| Net interest income | 4,292,000 | 8,575,000 | 12,836,000 | 17,130,000 |
| Noninterest income | 1,219,000 | 2,494,000 | 3,658,000 | 4,832,000 |
| Noninterest expense | 3,711,000 | 7,502,000 | 11,471,000 | 15,283,000 |
| Provision for loan losses | 175,000 | 350,000 | 525,000 | 700,000 |
| Pretax income | 1,625,000 | 3,217,000 | 4,486,000 | 5,962,000 |
| Income tax | 439,000 | 852,000 | 1,043,000 | 1,389,000 |
| Net income | 1,186,000 | 2,365,000 | 3,443,000 | 4,573,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 39,439,000 | 40,532,000 | 41,524,000 | 42,558,000 |
| Total capital | 43,720,000 | 44,860,000 | 45,712,000 | 46,830,000 |
| Risk-weighted assets | 347,048,000 | 346,485,000 | 334,482,000 | 341,050,000 |