Call reports 2007
HOME STATE BANK — 2007
What HOME STATE BANK reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 35,802,000 | 37,241,000 | 35,904,000 | 35,732,000 |
| Total loans | 21,346,000 | 22,203,000 | 21,160,000 | 19,660,000 |
| Allowance for loan losses | 324,000 | 324,000 | 323,000 | 323,000 |
| Securities available for sale | 13,725,000 | 13,863,000 | 13,541,000 | 13,233,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 20,863,000 | 21,957,000 | 21,925,000 | 21,740,000 |
| Interest-bearing deposits | 19,324,000 | 19,717,000 | 20,190,000 | 19,323,000 |
| Noninterest-bearing deposits | 1,539,000 | 2,240,000 | 1,735,000 | 2,417,000 |
| Equity capital | 10,329,000 | 10,413,000 | 10,826,000 | 11,072,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 614,000 | 1,267,000 | 1,914,000 | 2,507,000 |
| Interest expense | 230,000 | 479,000 | 730,000 | 954,000 |
| Net interest income | 384,000 | 788,000 | 1,184,000 | 1,553,000 |
| Noninterest income | 22,000 | 44,000 | 67,000 | 91,000 |
| Noninterest expense | 148,000 | 274,000 | 390,000 | 586,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 258,000 | 558,000 | 861,000 | 1,058,000 |
| Income tax | 12,000 | 24,000 | 37,000 | 53,000 |
| Net income | 246,000 | 534,000 | 824,000 | 1,005,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,169,000 | 10,457,000 | 10,747,000 | 10,928,000 |
| Total capital | 10,493,000 | 10,781,000 | 11,070,000 | 11,239,000 |
| Risk-weighted assets | 26,686,000 | 27,498,000 | 26,137,000 | 24,861,000 |