Call reports 2003
HOME STATE BANK — 2003
What HOME STATE BANK reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 20,643,000 | 20,217,000 | 18,021,000 | 19,997,000 |
| Total loans | 8,640,000 | 8,685,000 | 9,340,000 | 8,694,000 |
| Allowance for loan losses | 107,000 | 107,000 | 107,000 | 107,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 8,176,000 | 7,652,000 | 7,373,000 | 7,599,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 18,938,000 | 18,516,000 | 16,294,000 | 18,225,000 |
| Interest-bearing deposits | 17,056,000 | 16,600,000 | 14,390,000 | 15,693,000 |
| Noninterest-bearing deposits | 1,882,000 | 1,916,000 | 1,904,000 | 2,532,000 |
| Equity capital | 1,513,000 | 1,518,000 | 1,557,000 | 1,612,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 254,000 | 496,000 | 724,000 | 951,000 |
| Interest expense | 67,000 | 131,000 | 186,000 | 239,000 |
| Net interest income | 187,000 | 365,000 | 538,000 | 712,000 |
| Noninterest income | 34,000 | 63,000 | 98,000 | 131,000 |
| Noninterest expense | 139,000 | 287,000 | 429,000 | 576,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 82,000 | 141,000 | 207,000 | 267,000 |
| Income tax | 4,000 | 0 | 5,000 | 10,000 |
| Net income | 78,000 | 141,000 | 202,000 | 257,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 1,513,000 | 1,518,000 | 1,557,000 | 1,612,000 |
| Total capital | 1,620,000 | 1,625,000 | 1,664,000 | 1,719,000 |
| Risk-weighted assets | 9,725,000 | 9,436,000 | 9,508,000 | 9,182,000 |