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 | 22,234,000 | 23,222,000 | 22,311,000 | 22,973,000 |
| Total loans | 15,389,000 | 15,642,000 | 15,792,000 | 16,121,000 |
| Allowance for loan losses | 264,000 | 289,000 | 296,000 | 290,000 |
| Securities available for sale | 3,346,000 | 3,105,000 | 3,120,000 | 3,599,000 |
| Securities held to maturity | 178,000 | 177,000 | 160,000 | 160,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 20,218,000 | 21,240,000 | 20,349,000 | 20,884,000 |
| Interest-bearing deposits | 17,448,000 | 17,894,000 | 17,275,000 | 17,415,000 |
| Noninterest-bearing deposits | 2,770,000 | 3,346,000 | 3,074,000 | 3,469,000 |
| Equity capital | 1,789,000 | 1,787,000 | 1,816,000 | 1,885,000 |
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 | 369,000 | 697,000 | 1,021,000 | 1,335,000 |
| Interest expense | 159,000 | 308,000 | 440,000 | 560,000 |
| Net interest income | 210,000 | 389,000 | 581,000 | 775,000 |
| Noninterest income | 20,000 | 45,000 | 71,000 | 96,000 |
| Noninterest expense | 166,000 | 335,000 | 513,000 | 706,000 |
| Provision for loan losses | 10,000 | 30,000 | 40,000 | 40,000 |
| Pretax income | 54,000 | 69,000 | 99,000 | 125,000 |
| Income tax | 28,000 | 29,000 | 49,000 | 40,000 |
| Net income | 26,000 | 40,000 | 50,000 | 85,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 1,775,000 | 1,806,000 | 1,818,000 | 1,853,000 |
| Total capital | 1,961,000 | 2,002,000 | 2,014,000 | 2,060,000 |
| Risk-weighted assets | 14,866,000 | 15,620,000 | 15,610,000 | 16,395,000 |
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