Call reports 2008
HOMETOWN SAVINGS BANK, THE — 2008
What HOMETOWN SAVINGS BANK, THE 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 | 246,203,000 | 243,466,000 | 230,782,000 | 263,899,000 |
| Total loans | 153,036,000 | 157,981,000 | 164,822,000 | 171,474,000 |
| Allowance for loan losses | 1,525,000 | 1,523,000 | 1,589,000 | 1,627,000 |
| Securities available for sale | 56,443,000 | 56,626,000 | 46,240,000 | 51,685,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 175,141,000 | 173,417,000 | 157,368,000 | 182,069,000 |
| Interest-bearing deposits | 161,487,000 | 158,963,000 | 143,665,000 | 168,580,000 |
| Noninterest-bearing deposits | 13,654,000 | 14,454,000 | 13,703,000 | 13,489,000 |
| Equity capital | 22,938,000 | 22,325,000 | 22,647,000 | 23,643,000 |
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 | 3,289,000 | 6,616,000 | 9,969,000 | 13,284,000 |
| Interest expense | 1,772,000 | 3,333,000 | 4,712,000 | 6,193,000 |
| Net interest income | 1,517,000 | 3,283,000 | 5,257,000 | 7,091,000 |
| Noninterest income | 445,000 | 892,000 | 1,336,000 | 1,808,000 |
| Noninterest expense | 1,726,000 | 3,526,000 | 5,319,000 | 7,080,000 |
| Provision for loan losses | 150,000 | 300,000 | 450,000 | 700,000 |
| Pretax income | 86,000 | 349,000 | 877,000 | 1,299,000 |
| Income tax | 7,000 | 83,000 | 263,000 | 450,000 |
| Net income | 79,000 | 266,000 | 614,000 | 849,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 22,254,000 | 22,355,000 | 22,618,000 | 22,770,000 |
| Total capital | 23,779,000 | 23,878,000 | 24,207,000 | 24,397,000 |
| Risk-weighted assets | 138,962,000 | 142,337,000 | 144,518,000 | 154,277,000 |
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