Call reports 2010
HOME STATE BANK — 2010
What HOME STATE BANK reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 38,705,000 | 39,851,000 | 39,361,000 | 38,050,000 |
| Total loans | 18,398,000 | 18,896,000 | 20,529,000 | 19,010,000 |
| Allowance for loan losses | 320,000 | 320,000 | 320,000 | 225,000 |
| Securities available for sale | 15,919,000 | 17,016,000 | 15,740,000 | 16,694,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 25,757,000 | 26,652,000 | 25,793,000 | 25,341,000 |
| Interest-bearing deposits | 23,445,000 | 24,272,000 | 23,189,000 | 22,581,000 |
| Noninterest-bearing deposits | 2,312,000 | 2,380,000 | 2,604,000 | 2,760,000 |
| Equity capital | 11,590,000 | 11,852,000 | 12,147,000 | 11,892,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 446,000 | 922,000 | 1,391,000 | 1,835,000 |
| Interest expense | 107,000 | 217,000 | 319,000 | 404,000 |
| Net interest income | 339,000 | 705,000 | 1,072,000 | 1,431,000 |
| Noninterest income | 13,000 | 29,000 | 49,000 | 78,000 |
| Noninterest expense | 145,000 | 289,000 | 425,000 | 644,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 207,000 | 451,000 | 702,000 | 871,000 |
| Income tax | 9,000 | 18,000 | 27,000 | 39,000 |
| Net income | 198,000 | 433,000 | 675,000 | 832,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,972,000 | 11,206,000 | 11,448,000 | 11,606,000 |
| Total capital | 11,278,000 | 11,518,000 | 11,768,000 | 11,831,000 |
| Risk-weighted assets | 24,453,000 | 24,943,000 | 26,186,000 | 24,854,000 |