Call reports 2008
HOME STATE BANK — 2008
What HOME STATE BANK reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 19,453,000 | 19,927,000 | 18,506,000 | 20,490,000 |
| Total loans | 9,996,000 | 10,252,000 | 10,201,000 | 10,355,000 |
| Allowance for loan losses | 107,000 | 107,000 | 107,000 | 107,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 6,526,000 | 6,526,000 | 6,489,000 | 6,530,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 17,662,000 | 18,127,000 | 16,660,000 | 18,726,000 |
| Interest-bearing deposits | 14,839,000 | 15,398,000 | 14,123,000 | 16,056,000 |
| Noninterest-bearing deposits | 2,823,000 | 2,729,000 | 2,537,000 | 2,670,000 |
| Equity capital | 1,746,000 | 1,765,000 | 1,813,000 | 1,734,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 254,000 | 503,000 | 755,000 | 998,000 |
| Interest expense | 67,000 | 123,000 | 180,000 | 227,000 |
| Net interest income | 187,000 | 380,000 | 575,000 | 771,000 |
| Noninterest income | 34,000 | 77,000 | 111,000 | 144,000 |
| Noninterest expense | 146,000 | 306,000 | 458,000 | 613,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 75,000 | 151,000 | 228,000 | 302,000 |
| Income tax | 2,000 | 4,000 | 7,000 | 9,000 |
| Net income | 73,000 | 147,000 | 221,000 | 293,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 1,746,000 | 1,765,000 | 1,813,000 | 1,734,000 |
| Total capital | 1,853,000 | 1,872,000 | 1,920,000 | 1,841,000 |
| Risk-weighted assets | 10,129,000 | 10,427,000 | 9,967,000 | 10,034,000 |