Call reports 2014
HOME STATE BANK — 2014
What HOME STATE BANK reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 48,007,000 | 49,246,000 | 47,606,000 | 51,220,000 |
| Total loans | 24,677,000 | 25,962,000 | 25,917,000 | 30,906,000 |
| Allowance for loan losses | 225,000 | 222,000 | 222,000 | 222,000 |
| Securities available for sale | 22,023,000 | 21,979,000 | 20,670,000 | 18,702,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 34,736,000 | 34,599,000 | 34,463,000 | 35,708,000 |
| Interest-bearing deposits | 30,415,000 | 30,951,000 | 30,233,000 | 30,658,000 |
| Noninterest-bearing deposits | 4,321,000 | 3,648,000 | 4,230,000 | 5,050,000 |
| Equity capital | 12,145,000 | 12,651,000 | 12,923,000 | 13,272,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 431,000 | 874,000 | 1,318,000 | 1,774,000 |
| Interest expense | 41,000 | 81,000 | 120,000 | 157,000 |
| Net interest income | 390,000 | 793,000 | 1,198,000 | 1,617,000 |
| Noninterest income | 13,000 | 24,000 | 41,000 | 51,000 |
| Noninterest expense | 164,000 | 343,000 | 519,000 | 777,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 239,000 | 481,000 | 726,000 | 902,000 |
| Income tax | 8,000 | 17,000 | 26,000 | 45,000 |
| Net income | 231,000 | 464,000 | 700,000 | 857,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,229,000 | 12,463,000 | 12,699,000 | 12,856,000 |
| Total capital | 12,454,000 | 12,685,000 | 12,921,000 | 13,078,000 |
| Risk-weighted assets | 30,582,000 | 31,908,000 | 31,302,000 | 35,973,000 |