Call reports 2007
HOMETOWN COMMUNITY BANK — 2007
What HOMETOWN COMMUNITY BANK reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 21,231,000 | 21,461,000 | 21,971,000 | 22,790,000 |
| Total loans | 15,679,000 | 16,342,000 | 16,495,000 | 16,412,000 |
| Allowance for loan losses | 261,000 | 258,000 | 275,000 | 264,000 |
| Securities available for sale | 3,449,000 | 2,890,000 | 2,979,000 | 3,195,000 |
| Securities held to maturity | 181,000 | 180,000 | 180,000 | 178,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 19,153,000 | 19,390,000 | 20,016,000 | 20,790,000 |
| Interest-bearing deposits | 16,839,000 | 16,820,000 | 17,585,000 | 17,561,000 |
| Noninterest-bearing deposits | 2,314,000 | 2,570,000 | 2,431,000 | 3,229,000 |
| Equity capital | 1,712,000 | 1,739,000 | 1,762,000 | 1,812,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 367,000 | 735,000 | 1,106,000 | 1,475,000 |
| Interest expense | 160,000 | 323,000 | 496,000 | 668,000 |
| Net interest income | 207,000 | 412,000 | 610,000 | 807,000 |
| Noninterest income | 28,000 | 56,000 | 79,000 | 111,000 |
| Noninterest expense | 167,000 | 336,000 | 515,000 | 717,000 |
| Provision for loan losses | 20,000 | 45,000 | 115,000 | 115,000 |
| Pretax income | 48,000 | 87,000 | 59,000 | 86,000 |
| Income tax | 12,000 | 20,000 | 0 | -9,000 |
| Net income | 36,000 | 67,000 | 59,000 | 95,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 1,742,000 | 1,773,000 | 1,765,000 | 1,802,000 |
| Total capital | 1,928,000 | 1,967,000 | 1,961,000 | 1,981,000 |
| Risk-weighted assets | 14,832,000 | 15,487,000 | 15,596,000 | 15,686,000 |
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