Call reports 2008
HOMETOWN COMMUNITY BANK — 2008
What HOMETOWN COMMUNITY BANK reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 107,364,000 | 113,686,000 | 120,270,000 | 127,329,000 |
| Total loans | 85,355,000 | 86,353,000 | 88,271,000 | 83,753,000 |
| Allowance for loan losses | 953,000 | 1,358,000 | 1,351,000 | 3,306,000 |
| Securities available for sale | 12,009,000 | 17,842,000 | 20,956,000 | 24,704,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 78,816,000 | 83,724,000 | 84,454,000 | 95,713,000 |
| Interest-bearing deposits | 73,312,000 | 78,385,000 | 79,712,000 | 91,954,000 |
| Noninterest-bearing deposits | 5,504,000 | 5,339,000 | 4,742,000 | 3,759,000 |
| Equity capital | 10,828,000 | 10,291,000 | 11,107,000 | 6,886,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 1,722,000 | 3,256,000 | 4,771,000 | 6,068,000 |
| Interest expense | 897,000 | 1,688,000 | 2,584,000 | 3,474,000 |
| Net interest income | 825,000 | 1,568,000 | 2,187,000 | 2,594,000 |
| Noninterest income | 59,000 | 125,000 | 186,000 | 237,000 |
| Noninterest expense | 754,000 | 1,516,000 | 2,292,000 | 3,524,000 |
| Provision for loan losses | 95,000 | 703,000 | 749,000 | 4,170,000 |
| Pretax income | 93,000 | -466,000 | -572,000 | -4,767,000 |
| Income tax | 42,000 | -117,000 | -159,000 | 136,000 |
| Net income | 51,000 | -349,000 | -413,000 | -4,903,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,751,000 | 10,380,000 | 11,245,000 | 6,784,000 |
| Total capital | 11,704,000 | 11,581,000 | 12,501,000 | 8,039,000 |
| Risk-weighted assets | 93,952,000 | 95,903,000 | 100,350,000 | 98,351,000 |
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