Call reports 2005
HOMETOWN COMMUNITY BANK — 2005
What HOMETOWN COMMUNITY BANK reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 20,790,000 | 20,581,000 | 20,261,000 | 21,262,000 |
| Total loans | 16,059,000 | 15,923,000 | 15,802,000 | 15,266,000 |
| Allowance for loan losses | 214,000 | 205,000 | 227,000 | 214,000 |
| Securities available for sale | 2,506,000 | 2,274,000 | 2,085,000 | 2,044,000 |
| Securities held to maturity | 87,000 | 86,000 | 86,000 | 84,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 19,199,000 | 18,692,000 | 18,743,000 | 19,502,000 |
| Interest-bearing deposits | 16,740,000 | 16,744,000 | 16,492,000 | 16,582,000 |
| Noninterest-bearing deposits | 2,459,000 | 1,948,000 | 2,251,000 | 2,920,000 |
| Equity capital | 1,393,000 | 1,329,000 | 1,394,000 | 1,633,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 309,000 | 630,000 | 932,000 | 1,253,000 |
| Interest expense | 111,000 | 227,000 | 346,000 | 474,000 |
| Net interest income | 198,000 | 403,000 | 586,000 | 779,000 |
| Noninterest income | 15,000 | 31,000 | 50,000 | 68,000 |
| Noninterest expense | 188,000 | 362,000 | 552,000 | 720,000 |
| Provision for loan losses | 90,000 | 205,000 | 280,000 | 386,000 |
| Pretax income | -65,000 | -134,000 | -197,000 | -260,000 |
| Income tax | 0 | 15,000 | -25,000 | -33,000 |
| Net income | -65,000 | -149,000 | -172,000 | -227,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 1,424,000 | 1,340,000 | 1,417,000 | 1,662,000 |
| Total capital | 1,617,000 | 1,531,000 | 1,604,000 | 1,847,000 |
| Risk-weighted assets | 15,409,000 | 15,260,000 | 14,896,000 | 14,802,000 |
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