Call reports 2004
HOMETOWN SAVINGS BANK, THE — 2004
What HOMETOWN SAVINGS BANK, THE reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 170,856,000 | 180,395,000 | 184,855,000 | 186,317,000 |
| Total loans | 84,079,000 | 88,906,000 | 91,568,000 | 98,442,000 |
| Allowance for loan losses | 944,000 | 976,000 | 1,025,000 | 1,082,000 |
| Securities available for sale | 73,742,000 | 74,115,000 | 74,291,000 | 70,440,000 |
| Securities held to maturity | 26,000 | 26,000 | 26,000 | 26,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 137,469,000 | 149,471,000 | 165,352,000 | 154,696,000 |
| Interest-bearing deposits | 130,247,000 | 142,811,000 | 157,284,000 | 146,162,000 |
| Noninterest-bearing deposits | 7,222,000 | 6,660,000 | 8,068,000 | 8,534,000 |
| Equity capital | 16,951,000 | 15,766,000 | 16,434,000 | 16,529,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 1,864,000 | 3,770,000 | 5,754,000 | 7,842,000 |
| Interest expense | 800,000 | 1,662,000 | 2,515,000 | 3,299,000 |
| Net interest income | 1,064,000 | 2,108,000 | 3,239,000 | 4,543,000 |
| Noninterest income | 217,000 | 407,000 | 597,000 | 754,000 |
| Noninterest expense | 1,123,000 | 2,308,000 | 3,515,000 | 4,726,000 |
| Provision for loan losses | 60,000 | 120,000 | 180,000 | 240,000 |
| Pretax income | 100,000 | 89,000 | 146,000 | 336,000 |
| Income tax | -16,000 | -36,000 | -28,000 | 8,000 |
| Net income | 116,000 | 125,000 | 174,000 | 328,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 16,060,000 | 16,074,000 | 16,087,000 | 16,247,000 |
| Total capital | 17,004,000 | 17,050,000 | 17,112,000 | 17,329,000 |
| Risk-weighted assets | 81,963,000 | 88,609,000 | 91,952,000 | 96,078,000 |
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