Call reports 2009
HOME STATE BANK — 2009
What HOME STATE BANK reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 36,040,000 | 35,520,000 | 37,606,000 | 38,660,000 |
| Total loans | 18,496,000 | 18,411,000 | 19,358,000 | 18,515,000 |
| Allowance for loan losses | 320,000 | 320,000 | 320,000 | 320,000 |
| Securities available for sale | 13,643,000 | 13,308,000 | 13,860,000 | 15,512,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 21,763,000 | 21,530,000 | 23,137,000 | 25,677,000 |
| Interest-bearing deposits | 19,068,000 | 19,400,000 | 20,754,000 | 22,610,000 |
| Noninterest-bearing deposits | 2,695,000 | 2,130,000 | 2,383,000 | 3,067,000 |
| Equity capital | 10,847,000 | 11,128,000 | 11,615,000 | 11,630,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 483,000 | 964,000 | 1,430,000 | 1,898,000 |
| Interest expense | 154,000 | 296,000 | 436,000 | 566,000 |
| Net interest income | 329,000 | 668,000 | 994,000 | 1,332,000 |
| Noninterest income | 16,000 | 33,000 | 57,000 | 74,000 |
| Noninterest expense | 140,000 | 269,000 | 418,000 | 620,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 206,000 | 433,000 | 634,000 | 787,000 |
| Income tax | 3,000 | 19,000 | 29,000 | 39,000 |
| Net income | 203,000 | 414,000 | 605,000 | 748,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,635,000 | 10,846,000 | 11,037,000 | 11,179,000 |
| Total capital | 10,935,000 | 11,145,000 | 11,348,000 | 11,486,000 |
| Risk-weighted assets | 23,954,000 | 23,915,000 | 24,862,000 | 24,526,000 |