Call reports 2004
HOME STATE BANK — 2004
What HOME STATE BANK reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 19,856,000 | 20,330,000 | 17,749,000 | 18,566,000 |
| Total loans | 8,608,000 | 8,502,000 | 8,434,000 | 8,682,000 |
| Allowance for loan losses | 107,000 | 107,000 | 107,000 | 107,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 7,072,000 | 8,056,000 | 7,474,000 | 7,458,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 18,070,000 | 18,539,000 | 15,936,000 | 16,711,000 |
| Interest-bearing deposits | 16,025,000 | 16,575,000 | 14,221,000 | 14,950,000 |
| Noninterest-bearing deposits | 2,045,000 | 1,964,000 | 1,715,000 | 1,761,000 |
| Equity capital | 1,639,000 | 1,653,000 | 1,688,000 | 1,743,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 217,000 | 425,000 | 631,000 | 840,000 |
| Interest expense | 51,000 | 101,000 | 149,000 | 196,000 |
| Net interest income | 166,000 | 324,000 | 482,000 | 644,000 |
| Noninterest income | 30,000 | 63,000 | 98,000 | 134,000 |
| Noninterest expense | 142,000 | 280,000 | 419,000 | 559,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 54,000 | 107,000 | 161,000 | 219,000 |
| Income tax | 3,000 | 5,000 | 8,000 | 11,000 |
| Net income | 51,000 | 102,000 | 153,000 | 208,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 1,639,000 | 1,653,000 | 1,688,000 | 1,743,000 |
| Total capital | 1,746,000 | 1,760,000 | 1,795,000 | 1,850,000 |
| Risk-weighted assets | 9,245,000 | 9,281,000 | 8,691,000 | 9,053,000 |