Call reports 2007
HOME STATE BANK — 2007
What HOME STATE BANK reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 473,437,000 | 488,174,000 | 511,477,000 | 526,318,000 |
| Total loans | 348,531,000 | 347,624,000 | 358,141,000 | 369,155,000 |
| Allowance for loan losses | 4,406,000 | 4,558,000 | 4,200,000 | 4,596,000 |
| Securities available for sale | 92,208,000 | 108,924,000 | 122,329,000 | 126,828,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 411,070,000 | 424,294,000 | 440,245,000 | 460,131,000 |
| Interest-bearing deposits | 333,262,000 | 349,336,000 | 364,120,000 | 384,478,000 |
| Noninterest-bearing deposits | 77,808,000 | 74,958,000 | 76,125,000 | 75,653,000 |
| Equity capital | 43,022,000 | 43,094,000 | 45,146,000 | 45,388,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 7,391,000 | 14,941,000 | 22,726,000 | 30,777,000 |
| Interest expense | 3,222,000 | 6,587,000 | 10,254,000 | 14,092,000 |
| Net interest income | 4,169,000 | 8,354,000 | 12,472,000 | 16,685,000 |
| Noninterest income | 2,220,000 | 3,659,000 | 4,891,000 | 6,086,000 |
| Noninterest expense | 4,067,000 | 8,206,000 | 12,334,000 | 16,261,000 |
| Provision for loan losses | 150,000 | 300,000 | 550,000 | 975,000 |
| Pretax income | 2,165,000 | 3,500,000 | 4,483,000 | 5,553,000 |
| Income tax | 603,000 | 888,000 | 1,018,000 | 2,403,000 |
| Net income | 1,562,000 | 2,612,000 | 3,465,000 | 3,150,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 44,010,000 | 44,969,000 | 45,712,000 | 45,267,000 |
| Total capital | 48,334,000 | 49,527,000 | 49,912,000 | 49,863,000 |
| Risk-weighted assets | 345,824,000 | 370,694,000 | 387,260,000 | 400,202,000 |