Call reports 2005
HOME STATE BANK — 2005
What HOME STATE BANK reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 33,616,000 | 33,557,000 | 35,034,000 | 34,655,000 |
| Total loans | 19,006,000 | 18,846,000 | 21,024,000 | 19,888,000 |
| Allowance for loan losses | 323,000 | 323,000 | 324,000 | 324,000 |
| Securities available for sale | 13,937,000 | 13,541,000 | 12,802,000 | 13,201,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 18,464,000 | 19,462,000 | 18,945,000 | 20,605,000 |
| Interest-bearing deposits | 16,566,000 | 17,757,000 | 16,935,000 | 17,892,000 |
| Noninterest-bearing deposits | 1,898,000 | 1,705,000 | 2,010,000 | 2,713,000 |
| Equity capital | 9,484,000 | 9,809,000 | 10,017,000 | 10,068,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 455,000 | 934,000 | 1,459,000 | 1,984,000 |
| Interest expense | 131,000 | 279,000 | 443,000 | 620,000 |
| Net interest income | 324,000 | 655,000 | 1,016,000 | 1,364,000 |
| Noninterest income | 23,000 | 49,000 | 72,000 | 95,000 |
| Noninterest expense | 124,000 | 252,000 | 370,000 | 545,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 223,000 | 452,000 | 718,000 | 914,000 |
| Income tax | 10,000 | 21,000 | 31,000 | 46,000 |
| Net income | 213,000 | 431,000 | 687,000 | 868,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,320,000 | 9,538,000 | 9,793,000 | 9,974,000 |
| Total capital | 9,628,000 | 9,844,000 | 10,117,000 | 10,290,000 |
| Risk-weighted assets | 24,618,000 | 24,444,000 | 26,162,000 | 25,279,000 |