Call reports 2015
HOME STATE BANK — 2015
What HOME STATE BANK reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 47,802,000 | 47,397,000 | 46,393,000 | 55,397,000 |
| Total loans | 25,717,000 | 27,130,000 | 26,903,000 | 24,899,000 |
| Allowance for loan losses | 221,000 | 221,000 | 221,000 | 221,000 |
| Securities available for sale | 17,477,000 | 18,592,000 | 17,948,000 | 18,795,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 34,769,000 | 33,881,000 | 32,495,000 | 41,951,000 |
| Interest-bearing deposits | 29,865,000 | 29,188,000 | 28,606,000 | 29,740,000 |
| Noninterest-bearing deposits | 4,904,000 | 4,693,000 | 3,889,000 | 12,211,000 |
| Equity capital | 12,991,000 | 12,958,000 | 13,310,000 | 13,412,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 427,000 | 860,000 | 1,297,000 | 1,736,000 |
| Interest expense | 34,000 | 68,000 | 103,000 | 137,000 |
| Net interest income | 393,000 | 792,000 | 1,194,000 | 1,599,000 |
| Noninterest income | 10,000 | 22,000 | 38,000 | 49,000 |
| Noninterest expense | 182,000 | 356,000 | 523,000 | 758,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 221,000 | 478,000 | 729,000 | 912,000 |
| Income tax | 11,000 | 22,000 | 32,000 | 46,000 |
| Net income | 210,000 | 456,000 | 697,000 | 866,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,512,000 | 12,758,000 | 12,999,000 | 13,168,000 |
| Total capital | 12,733,000 | 12,979,000 | 13,220,000 | 13,389,000 |
| Risk-weighted assets | 34,094,000 | 32,034,000 | 33,254,000 | 32,906,000 |