Call reports 2003
HOMETOWN COMMUNITY BANK — 2003
What HOMETOWN COMMUNITY BANK reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 19,632,000 | 20,323,000 | 21,240,000 | 20,536,000 |
| Total loans | 13,235,000 | 13,911,000 | 14,622,000 | 15,829,000 |
| Allowance for loan losses | 191,000 | 207,000 | 208,000 | 230,000 |
| Securities available for sale | 3,275,000 | 2,972,000 | 3,193,000 | 2,157,000 |
| Securities held to maturity | 93,000 | 91,000 | 91,000 | 91,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 17,959,000 | 18,711,000 | 19,630,000 | 18,257,000 |
| Interest-bearing deposits | 16,136,000 | 16,686,000 | 17,390,000 | 15,667,000 |
| Noninterest-bearing deposits | 1,823,000 | 2,025,000 | 2,240,000 | 2,590,000 |
| Equity capital | 1,417,000 | 1,428,000 | 1,436,000 | 1,441,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 308,000 | 620,000 | 937,000 | 1,267,000 |
| Interest expense | 131,000 | 264,000 | 392,000 | 502,000 |
| Net interest income | 177,000 | 356,000 | 545,000 | 765,000 |
| Noninterest income | 24,000 | 52,000 | 79,000 | 109,000 |
| Noninterest expense | 139,000 | 269,000 | 411,000 | 568,000 |
| Provision for loan losses | 0 | 107,000 | 107,000 | 142,000 |
| Pretax income | 62,000 | 32,000 | 106,000 | 174,000 |
| Income tax | 29,000 | -5,000 | 41,000 | 54,000 |
| Net income | 33,000 | 37,000 | 65,000 | 120,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 1,386,000 | 1,390,000 | 1,436,000 | 1,441,000 |
| Total capital | 1,557,000 | 1,570,000 | 1,622,000 | 1,632,000 |
| Risk-weighted assets | 13,609,000 | 14,363,000 | 14,852,000 | 15,217,000 |
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