Call reports 2007
HOME STATE BANK — 2007
What HOME STATE BANK reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 18,044,000 | 18,858,000 | 17,782,000 | 17,808,000 |
| Total loans | 9,283,000 | 9,383,000 | 9,388,000 | 9,449,000 |
| Allowance for loan losses | 107,000 | 107,000 | 107,000 | 107,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 6,760,000 | 6,754,000 | 6,470,000 | 6,728,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 16,258,000 | 17,049,000 | 16,097,000 | 16,070,000 |
| Interest-bearing deposits | 13,920,000 | 14,478,000 | 13,435,000 | 13,491,000 |
| Noninterest-bearing deposits | 2,338,000 | 2,571,000 | 2,662,000 | 2,579,000 |
| Equity capital | 1,744,000 | 1,769,000 | 1,642,000 | 1,696,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 242,000 | 488,000 | 735,000 | 994,000 |
| Interest expense | 60,000 | 120,000 | 183,000 | 263,000 |
| Net interest income | 182,000 | 368,000 | 552,000 | 731,000 |
| Noninterest income | 36,000 | 69,000 | 105,000 | 138,000 |
| Noninterest expense | 154,000 | 298,000 | 442,000 | 599,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 64,000 | 139,000 | 215,000 | 270,000 |
| Income tax | 2,000 | 5,000 | 7,000 | 9,000 |
| Net income | 62,000 | 134,000 | 208,000 | 261,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 1,744,000 | 1,769,000 | 1,642,000 | 1,696,000 |
| Total capital | 1,851,000 | 1,876,000 | 1,749,000 | 1,803,000 |
| Risk-weighted assets | 9,275,000 | 9,260,000 | 9,308,000 | 9,201,000 |