Call reports 2008
HOME STATE BANK — 2008
What HOME STATE BANK reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 36,545,000 | 35,608,000 | 36,793,000 | 36,668,000 |
| Total loans | 20,468,000 | 19,781,000 | 19,126,000 | 17,835,000 |
| Allowance for loan losses | 323,000 | 320,000 | 320,000 | 320,000 |
| Securities available for sale | 12,488,000 | 12,974,000 | 13,061,000 | 14,245,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 22,922,000 | 22,063,000 | 23,100,000 | 22,600,000 |
| Interest-bearing deposits | 20,937,000 | 19,835,000 | 20,746,000 | 19,821,000 |
| Noninterest-bearing deposits | 1,985,000 | 2,228,000 | 2,354,000 | 2,779,000 |
| Equity capital | 10,680,000 | 10,631,000 | 10,786,000 | 11,175,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 571,000 | 1,104,000 | 1,630,000 | 2,124,000 |
| Interest expense | 217,000 | 413,000 | 600,000 | 773,000 |
| Net interest income | 354,000 | 691,000 | 1,030,000 | 1,351,000 |
| Noninterest income | 59,000 | 76,000 | 102,000 | 122,000 |
| Noninterest expense | 144,000 | 278,000 | 408,000 | 634,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 269,000 | 489,000 | 724,000 | 741,000 |
| Income tax | 14,000 | 28,000 | 43,000 | 37,000 |
| Net income | 255,000 | 461,000 | 681,000 | 704,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,433,000 | 10,639,000 | 10,859,000 | 10,882,000 |
| Total capital | 10,756,000 | 10,955,000 | 11,172,000 | 11,180,000 |
| Risk-weighted assets | 25,998,000 | 25,297,000 | 25,036,000 | 23,803,000 |