Call reports 2003
HOME STATE BANK — 2003
What HOME STATE BANK reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 34,431,000 | 34,841,000 | 35,091,000 | 36,206,000 |
| Total loans | 18,218,000 | 18,590,000 | 18,202,000 | 18,816,000 |
| Allowance for loan losses | 374,000 | 375,000 | 375,000 | 321,000 |
| Securities available for sale | 13,479,000 | 13,159,000 | 14,253,000 | 14,828,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 20,432,000 | 20,351,000 | 20,590,000 | 21,547,000 |
| Interest-bearing deposits | 18,871,000 | 18,708,000 | 18,635,000 | 18,915,000 |
| Noninterest-bearing deposits | 1,561,000 | 1,643,000 | 1,955,000 | 2,632,000 |
| Equity capital | 9,123,000 | 9,585,000 | 9,644,000 | 9,808,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 511,000 | 1,024,000 | 1,500,000 | 1,988,000 |
| Interest expense | 181,000 | 350,000 | 508,000 | 660,000 |
| Net interest income | 330,000 | 674,000 | 992,000 | 1,328,000 |
| Noninterest income | 28,000 | 55,000 | 86,000 | 112,000 |
| Noninterest expense | 125,000 | 243,000 | 373,000 | 552,000 |
| Provision for loan losses | 0 | 0 | 0 | 45,000 |
| Pretax income | 234,000 | 488,000 | 707,000 | 873,000 |
| Income tax | 12,000 | 24,000 | 36,000 | 42,000 |
| Net income | 222,000 | 464,000 | 671,000 | 831,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,710,000 | 8,952,000 | 9,159,000 | 9,318,000 |
| Total capital | 9,003,000 | 9,248,000 | 9,458,000 | 9,620,000 |
| Risk-weighted assets | 23,392,000 | 23,630,000 | 23,859,000 | 24,139,000 |