Call reports 2006
HOME STATE BANK — 2006
What HOME STATE BANK reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 18,861,000 | 19,193,000 | 17,837,000 | 18,288,000 |
| Total loans | 8,572,000 | 8,687,000 | 9,030,000 | 8,911,000 |
| Allowance for loan losses | 107,000 | 107,000 | 107,000 | 107,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 7,237,000 | 7,221,000 | 6,777,000 | 6,763,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 17,080,000 | 17,550,000 | 16,159,000 | 16,546,000 |
| Interest-bearing deposits | 14,756,000 | 15,261,000 | 13,897,000 | 14,406,000 |
| Noninterest-bearing deposits | 2,324,000 | 2,289,000 | 2,262,000 | 2,140,000 |
| Equity capital | 1,713,000 | 1,574,000 | 1,620,000 | 1,682,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 217,000 | 435,000 | 661,000 | 901,000 |
| Interest expense | 50,000 | 102,000 | 158,000 | 218,000 |
| Net interest income | 167,000 | 333,000 | 503,000 | 683,000 |
| Noninterest income | 27,000 | 58,000 | 91,000 | 123,000 |
| Noninterest expense | 147,000 | 295,000 | 439,000 | 585,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 47,000 | 96,000 | 155,000 | 221,000 |
| Income tax | 3,000 | 6,000 | 9,000 | 12,000 |
| Net income | 44,000 | 90,000 | 146,000 | 209,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 1,713,000 | 1,574,000 | 1,620,000 | 1,682,000 |
| Total capital | 1,820,000 | 1,681,000 | 1,727,000 | 1,789,000 |
| Risk-weighted assets | 9,222,000 | 8,954,000 | 9,047,000 | 9,100,000 |