Call reports 2007
HOMETOWN SAVINGS BANK, THE — 2007
What HOMETOWN SAVINGS BANK, THE 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 | 208,673,000 | 216,581,000 | 231,302,000 | 218,871,000 |
| Total loans | 136,177,000 | 143,588,000 | 147,857,000 | 150,792,000 |
| Allowance for loan losses | 1,331,000 | 1,373,000 | 1,408,000 | 1,405,000 |
| Securities available for sale | 22,778,000 | 39,743,000 | 48,116,000 | 47,128,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 26,219,000 | 10,523,000 | 10,655,000 | 0 |
| Total deposits | 167,499,000 | 155,539,000 | 172,592,000 | 157,095,000 |
| Interest-bearing deposits | 152,757,000 | 140,922,000 | 157,419,000 | 144,706,000 |
| Noninterest-bearing deposits | 14,742,000 | 14,617,000 | 15,173,000 | 12,389,000 |
| Equity capital | 22,285,000 | 21,700,000 | 22,140,000 | 22,607,000 |
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 | 2,895,000 | 5,857,000 | 9,189,000 | 12,467,000 |
| Interest expense | 1,708,000 | 3,416,000 | 5,388,000 | 7,198,000 |
| Net interest income | 1,187,000 | 2,441,000 | 3,801,000 | 5,269,000 |
| Noninterest income | 532,000 | 737,000 | 1,322,000 | 1,821,000 |
| Noninterest expense | 1,540,000 | 3,146,000 | 4,754,000 | 6,442,000 |
| Provision for loan losses | 90,000 | 180,000 | 270,000 | 360,000 |
| Pretax income | 202,000 | -35,000 | 212,000 | 401,000 |
| Income tax | 12,000 | -101,000 | -36,000 | 24,000 |
| Net income | 190,000 | 66,000 | 248,000 | 377,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 22,382,000 | 22,165,000 | 22,245,000 | 22,273,000 |
| Total capital | 23,713,000 | 23,538,000 | 23,653,000 | 23,678,000 |
| Risk-weighted assets | 119,921,000 | 127,192,000 | 132,294,000 | 132,002,000 |
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