Call reports 2006
HOMETOWN COMMUNITY BANK — 2006
What HOMETOWN COMMUNITY BANK reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 20,290,000 | 20,012,000 | 20,597,000 | 22,366,000 |
| Total loans | 14,869,000 | 15,312,000 | 15,567,000 | 16,225,000 |
| Allowance for loan losses | 235,000 | 217,000 | 259,000 | 266,000 |
| Securities available for sale | 2,768,000 | 2,640,000 | 2,686,000 | 2,964,000 |
| Securities held to maturity | 84,000 | 83,000 | 83,000 | 182,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 18,499,000 | 17,735,000 | 18,816,000 | 20,500,000 |
| Interest-bearing deposits | 16,140,000 | 15,570,000 | 16,236,000 | 16,952,000 |
| Noninterest-bearing deposits | 2,359,000 | 2,165,000 | 2,580,000 | 3,548,000 |
| Equity capital | 1,673,000 | 1,682,000 | 1,643,000 | 1,689,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 324,000 | 644,000 | 979,000 | 1,341,000 |
| Interest expense | 129,000 | 256,000 | 401,000 | 557,000 |
| Net interest income | 195,000 | 388,000 | 578,000 | 784,000 |
| Noninterest income | 14,000 | 30,000 | 43,000 | 75,000 |
| Noninterest expense | 188,000 | 364,000 | 535,000 | 716,000 |
| Provision for loan losses | 50,000 | 50,000 | 90,000 | 110,000 |
| Pretax income | -29,000 | 4,000 | -4,000 | 33,000 |
| Income tax | -9,000 | 5,000 | -17,000 | -21,000 |
| Net income | -20,000 | -1,000 | 13,000 | 54,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 1,717,000 | 1,736,000 | 1,675,000 | 1,716,000 |
| Total capital | 1,865,000 | 1,918,000 | 1,857,000 | 1,906,000 |
| Risk-weighted assets | 14,315,000 | 14,501,000 | 14,511,000 | 15,150,000 |
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