Call reports 2009
HOME STATE BANK — 2009
What HOME STATE BANK reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 22,316,000 | 21,951,000 | 19,798,000 | 20,982,000 |
| Total loans | 10,693,000 | 10,596,000 | 10,878,000 | 10,342,000 |
| Allowance for loan losses | 107,000 | 107,000 | 107,000 | 107,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 6,380,000 | 6,527,000 | 6,649,000 | 6,639,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 20,530,000 | 20,150,000 | 17,960,000 | 19,103,000 |
| Interest-bearing deposits | 17,793,000 | 17,269,000 | 15,683,000 | 16,654,000 |
| Noninterest-bearing deposits | 2,737,000 | 2,881,000 | 2,277,000 | 2,449,000 |
| Equity capital | 1,757,000 | 1,781,000 | 1,813,000 | 1,855,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 234,000 | 463,000 | 694,000 | 914,000 |
| Interest expense | 41,000 | 84,000 | 125,000 | 168,000 |
| Net interest income | 193,000 | 379,000 | 569,000 | 746,000 |
| Noninterest income | 28,000 | 64,000 | 95,000 | 134,000 |
| Noninterest expense | 169,000 | 320,000 | 482,000 | 652,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 52,000 | 123,000 | 182,000 | 228,000 |
| Income tax | 3,000 | 5,000 | 9,000 | 12,000 |
| Net income | 49,000 | 118,000 | 173,000 | 216,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 1,757,000 | 1,781,000 | 1,813,000 | 1,855,000 |
| Total capital | 1,864,000 | 1,888,000 | 1,920,000 | 1,962,000 |
| Risk-weighted assets | 10,449,000 | 10,352,000 | 10,629,000 | 9,858,000 |