Call reports 2008
HOME STATE BANK — 2008
What HOME STATE BANK reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 541,302,000 | 563,268,000 | 571,140,000 | 551,947,000 |
| Total loans | 374,359,000 | 396,942,000 | 409,529,000 | 402,924,000 |
| Allowance for loan losses | 4,738,000 | 5,430,000 | 5,515,000 | 6,831,000 |
| Securities available for sale | 134,853,000 | 134,439,000 | 128,602,000 | 117,234,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 475,546,000 | 473,126,000 | 484,221,000 | 479,818,000 |
| Interest-bearing deposits | 400,357,000 | 398,688,000 | 408,270,000 | 402,903,000 |
| Noninterest-bearing deposits | 75,189,000 | 74,438,000 | 75,950,000 | 76,915,000 |
| Equity capital | 48,046,000 | 44,792,000 | 46,288,000 | 46,420,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 7,781,000 | 15,591,000 | 23,589,000 | 31,125,000 |
| Interest expense | 3,801,000 | 7,185,000 | 10,456,000 | 13,417,000 |
| Net interest income | 3,980,000 | 8,406,000 | 13,133,000 | 17,708,000 |
| Noninterest income | 1,284,000 | 2,787,000 | 4,349,000 | 5,550,000 |
| Noninterest expense | 4,184,000 | 8,503,000 | 12,875,000 | 16,872,000 |
| Provision for loan losses | 192,000 | 1,175,000 | 1,675,000 | 3,375,000 |
| Pretax income | 1,075,000 | 1,711,000 | 2,288,000 | 2,448,000 |
| Income tax | 8,000 | 9,000 | -99,000 | -76,000 |
| Net income | 1,067,000 | 1,702,000 | 2,387,000 | 2,524,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 45,858,000 | 46,221,000 | 46,542,000 | 46,585,000 |
| Total capital | 50,596,000 | 51,475,000 | 51,887,000 | 51,778,000 |
| Risk-weighted assets | 413,024,000 | 419,400,000 | 427,687,000 | 413,964,000 |