Call reports 2005
HOME STATE BANK — 2005
What HOME STATE BANK reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 18,605,000 | 18,994,000 | 17,547,000 | 17,196,000 |
| Total loans | 8,413,000 | 8,304,000 | 8,649,000 | 8,612,000 |
| Allowance for loan losses | 107,000 | 107,000 | 107,000 | 107,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 7,389,000 | 7,867,000 | 6,851,000 | 7,253,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 16,914,000 | 17,294,000 | 15,822,000 | 15,301,000 |
| Interest-bearing deposits | 14,659,000 | 15,315,000 | 13,450,000 | 13,160,000 |
| Noninterest-bearing deposits | 2,255,000 | 1,979,000 | 2,372,000 | 2,141,000 |
| Equity capital | 1,593,000 | 1,604,000 | 1,644,000 | 1,689,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 205,000 | 411,000 | 620,000 | 829,000 |
| Interest expense | 45,000 | 91,000 | 137,000 | 183,000 |
| Net interest income | 160,000 | 320,000 | 483,000 | 646,000 |
| Noninterest income | 26,000 | 55,000 | 90,000 | 119,000 |
| Noninterest expense | 139,000 | 286,000 | 426,000 | 570,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 47,000 | 89,000 | 147,000 | 195,000 |
| Income tax | 3,000 | 5,000 | 8,000 | 11,000 |
| Net income | 44,000 | 84,000 | 139,000 | 184,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 1,593,000 | 1,604,000 | 1,644,000 | 1,689,000 |
| Total capital | 1,700,000 | 1,711,000 | 1,751,000 | 1,796,000 |
| Risk-weighted assets | 8,863,000 | 8,982,000 | 8,880,000 | 8,870,000 |