Call reports 2006
HOME STATE BANK — 2006
What HOME STATE BANK reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 35,496,000 | 35,347,000 | 36,127,000 | 37,203,000 |
| Total loans | 21,096,000 | 21,510,000 | 22,328,000 | 19,656,000 |
| Allowance for loan losses | 324,000 | 324,000 | 324,000 | 324,000 |
| Securities available for sale | 13,190,000 | 12,997,000 | 12,903,000 | 14,034,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 18,611,000 | 20,042,000 | 19,001,000 | 22,654,000 |
| Interest-bearing deposits | 16,929,000 | 18,155,000 | 17,454,000 | 20,137,000 |
| Noninterest-bearing deposits | 1,682,000 | 1,887,000 | 1,547,000 | 2,517,000 |
| Equity capital | 9,797,000 | 9,929,000 | 10,347,000 | 10,615,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 543,000 | 1,134,000 | 1,760,000 | 2,395,000 |
| Interest expense | 182,000 | 402,000 | 633,000 | 886,000 |
| Net interest income | 361,000 | 732,000 | 1,127,000 | 1,509,000 |
| Noninterest income | 21,000 | 43,000 | 67,000 | 92,000 |
| Noninterest expense | 127,000 | 244,000 | 368,000 | 548,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 255,000 | 515,000 | 794,000 | 1,021,000 |
| Income tax | 10,000 | 21,000 | 31,000 | 42,000 |
| Net income | 245,000 | 494,000 | 763,000 | 979,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,720,000 | 9,968,000 | 10,238,000 | 10,453,000 |
| Total capital | 10,044,000 | 10,292,000 | 10,562,000 | 10,771,000 |
| Risk-weighted assets | 26,357,000 | 26,595,000 | 27,365,000 | 25,423,000 |