Call reports 2009
HOME STATE BANK — 2009
What HOME STATE BANK reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 554,739,000 | 551,598,000 | 563,234,000 | 559,755,000 |
| Total loans | 399,553,000 | 385,363,000 | 370,684,000 | 360,146,000 |
| Allowance for loan losses | 8,241,000 | 8,597,000 | 9,301,000 | 9,454,000 |
| Securities available for sale | 121,951,000 | 131,904,000 | 141,254,000 | 134,087,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 489,521,000 | 483,077,000 | 491,824,000 | 490,764,000 |
| Interest-bearing deposits | 413,351,000 | 410,427,000 | 414,030,000 | 411,150,000 |
| Noninterest-bearing deposits | 76,170,000 | 72,650,000 | 77,794,000 | 79,614,000 |
| Equity capital | 47,725,000 | 47,547,000 | 50,372,000 | 49,684,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 7,220,000 | 14,329,000 | 21,181,000 | 27,428,000 |
| Interest expense | 2,553,000 | 4,890,000 | 6,889,000 | 8,510,000 |
| Net interest income | 4,667,000 | 9,439,000 | 14,292,000 | 18,918,000 |
| Noninterest income | 1,238,000 | 2,549,000 | 3,193,000 | 4,519,000 |
| Noninterest expense | 4,181,000 | 8,827,000 | 13,153,000 | 17,432,000 |
| Provision for loan losses | 1,600,000 | 2,300,000 | 3,400,000 | 5,233,000 |
| Pretax income | 124,000 | 861,000 | 1,214,000 | 1,429,000 |
| Income tax | 0 | 0 | 0 | 10,000 |
| Net income | 124,000 | 861,000 | 1,214,000 | 1,419,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 46,113,000 | 46,741,000 | 46,478,000 | 46,249,000 |
| Total capital | 51,301,000 | 51,843,000 | 51,442,000 | 51,092,000 |
| Risk-weighted assets | 411,965,000 | 403,877,000 | 392,801,000 | 386,866,000 |