Call reports 2025
HOME STATE BANK — 2025
What HOME STATE BANK reported to the FFIEC in 2025, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Total assets | 57,738,000 | 58,706,000 | 56,635,000 | 58,678,000 |
| Total loans | 33,474,000 | 32,722,000 | 32,364,000 | 32,753,000 |
| Allowance for loan losses | 413,000 | 413,000 | 413,000 | 413,000 |
| Securities available for sale | 21,246,000 | 21,484,000 | 21,318,000 | 21,271,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 43,890,000 | 44,208,000 | 41,708,000 | 44,538,000 |
| Interest-bearing deposits | 36,212,000 | 36,511,000 | 34,489,000 | 36,277,000 |
| Noninterest-bearing deposits | 7,679,000 | 7,697,000 | 7,219,000 | 8,261,000 |
| Equity capital | 12,648,000 | 13,310,000 | 13,704,000 | 13,984,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Interest income | 738,000 | 1,486,000 | 2,220,000 | 2,942,000 |
| Interest expense | 240,000 | 481,000 | 719,000 | 942,000 |
| Net interest income | 498,000 | 1,005,000 | 1,501,000 | 2,000,000 |
| Noninterest income | 5,000 | 12,000 | 20,000 | 26,000 |
| Noninterest expense | 250,000 | 489,000 | 755,000 | 1,113,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 255,000 | 529,000 | 768,000 | 910,000 |
| Income tax | 7,000 | 15,000 | 23,000 | 36,000 |
| Net income | 248,000 | 514,000 | 745,000 | 874,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 14,430,000 | 14,715,000 | 14,947,000 | 15,076,000 |