Call reports 2013
HOME STATE BANK — 2013
What HOME STATE BANK reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 47,546,000 | 46,143,000 | 45,030,000 | 49,223,000 |
| Total loans | 20,795,000 | 21,000,000 | 20,992,000 | 26,003,000 |
| Allowance for loan losses | 225,000 | 225,000 | 225,000 | 225,000 |
| Securities available for sale | 24,937,000 | 23,334,000 | 22,655,000 | 21,796,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 35,047,000 | 33,675,000 | 33,205,000 | 33,317,000 |
| Interest-bearing deposits | 29,812,000 | 29,550,000 | 28,610,000 | 28,634,000 |
| Noninterest-bearing deposits | 5,235,000 | 4,125,000 | 4,595,000 | 4,683,000 |
| Equity capital | 12,469,000 | 12,130,000 | 11,793,000 | 11,850,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 377,000 | 761,000 | 1,133,000 | 1,545,000 |
| Interest expense | 48,000 | 93,000 | 136,000 | 177,000 |
| Net interest income | 329,000 | 668,000 | 997,000 | 1,368,000 |
| Noninterest income | 11,000 | 25,000 | 44,000 | 58,000 |
| Noninterest expense | 148,000 | 301,000 | 459,000 | 690,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 192,000 | 397,000 | 587,000 | 747,000 |
| Income tax | 4,000 | 18,000 | 27,000 | 37,000 |
| Net income | 188,000 | 379,000 | 560,000 | 710,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,868,000 | 12,057,000 | 12,239,000 | 12,389,000 |
| Total capital | 12,093,000 | 12,282,000 | 12,464,000 | 12,614,000 |
| Risk-weighted assets | 27,521,000 | 27,846,000 | 27,239,000 | 32,037,000 |