Call reports 2004
HOME STATE BANK — 2004
What HOME STATE BANK reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 36,537,000 | 33,969,000 | 33,061,000 | 34,506,000 |
| Total loans | 18,970,000 | 18,818,000 | 18,204,000 | 17,332,000 |
| Allowance for loan losses | 321,000 | 323,000 | 323,000 | 323,000 |
| Securities available for sale | 15,111,000 | 14,329,000 | 13,768,000 | 13,669,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 21,936,000 | 19,743,000 | 18,957,000 | 20,290,000 |
| Interest-bearing deposits | 18,577,000 | 18,029,000 | 16,902,000 | 17,600,000 |
| Noninterest-bearing deposits | 3,359,000 | 1,714,000 | 2,055,000 | 2,690,000 |
| Equity capital | 9,700,000 | 9,448,000 | 9,851,000 | 9,945,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 484,000 | 946,000 | 1,411,000 | 1,859,000 |
| Interest expense | 144,000 | 340,000 | 468,000 | 592,000 |
| Net interest income | 340,000 | 606,000 | 943,000 | 1,267,000 |
| Noninterest income | 23,000 | 51,000 | 82,000 | 108,000 |
| Noninterest expense | 117,000 | 235,000 | 357,000 | 552,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 246,000 | 422,000 | 674,000 | 829,000 |
| Income tax | 10,000 | 24,000 | 34,000 | 41,000 |
| Net income | 236,000 | 398,000 | 640,000 | 788,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,054,000 | 9,217,000 | 9,459,000 | 9,607,000 |
| Total capital | 9,359,000 | 9,518,000 | 9,752,000 | 9,895,000 |
| Risk-weighted assets | 24,381,000 | 24,044,000 | 23,390,000 | 23,038,000 |