Call reports 2005
HOMETOWN SAVINGS BANK, THE — 2005
What HOMETOWN SAVINGS BANK, THE 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 | 184,852,000 | 187,103,000 | 188,421,000 | 198,715,000 |
| Total loans | 100,636,000 | 107,869,000 | 113,920,000 | 117,756,000 |
| Allowance for loan losses | 1,143,000 | 1,203,000 | 1,211,000 | 1,223,000 |
| Securities available for sale | 67,613,000 | 62,320,000 | 57,036,000 | 56,302,000 |
| Securities held to maturity | 25,000 | 26,000 | 26,000 | 26,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 143,077,000 | 140,071,000 | 142,473,000 | 159,260,000 |
| Interest-bearing deposits | 133,410,000 | 131,630,000 | 131,144,000 | 148,972,000 |
| Noninterest-bearing deposits | 9,667,000 | 8,441,000 | 11,329,000 | 10,288,000 |
| Equity capital | 16,174,000 | 22,662,000 | 22,431,000 | 22,277,000 |
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 | 2,089,000 | 4,286,000 | 6,557,000 | 8,960,000 |
| Interest expense | 826,000 | 1,766,000 | 2,736,000 | 3,833,000 |
| Net interest income | 1,263,000 | 2,520,000 | 3,821,000 | 5,127,000 |
| Noninterest income | 225,000 | 384,000 | 710,000 | 1,085,000 |
| Noninterest expense | 1,284,000 | 2,574,000 | 3,895,000 | 5,282,000 |
| Provision for loan losses | 60,000 | 120,000 | 180,000 | 240,000 |
| Pretax income | 144,000 | 380,000 | 626,000 | 860,000 |
| Income tax | 5,000 | 47,000 | 103,000 | 220,000 |
| Net income | 139,000 | 333,000 | 523,000 | 640,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 16,393,000 | 22,510,000 | 22,635,000 | 22,666,000 |
| Total capital | 17,536,000 | 24,008,000 | 24,115,000 | 24,152,000 |
| Risk-weighted assets | 97,116,000 | 101,143,000 | 105,499,000 | 108,596,000 |
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