Call reports 2010
HOMETOWN SAVINGS BANK, THE — 2010
What HOMETOWN SAVINGS BANK, THE reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 297,019,000 | 289,294,000 | 280,446,000 | 296,901,000 |
| Total loans | 202,040,000 | 200,558,000 | 206,274,000 | 205,874,000 |
| Allowance for loan losses | 2,053,000 | 2,255,000 | 2,386,000 | 2,229,000 |
| Securities available for sale | 57,097,000 | 56,152,000 | 53,002,000 | 46,677,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 234,930,000 | 223,285,000 | 209,916,000 | 229,058,000 |
| Interest-bearing deposits | 219,494,000 | 208,669,000 | 192,833,000 | 211,313,000 |
| Noninterest-bearing deposits | 15,436,000 | 14,616,000 | 17,083,000 | 17,745,000 |
| Equity capital | 24,591,000 | 25,332,000 | 25,443,000 | 25,314,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 3,258,000 | 6,493,000 | 9,690,000 | 12,842,000 |
| Interest expense | 1,211,000 | 2,378,000 | 3,446,000 | 4,429,000 |
| Net interest income | 2,047,000 | 4,115,000 | 6,244,000 | 8,413,000 |
| Noninterest income | 437,000 | 929,000 | 1,391,000 | 1,886,000 |
| Noninterest expense | 1,900,000 | 3,754,000 | 5,648,000 | 7,578,000 |
| Provision for loan losses | 225,000 | 450,000 | 675,000 | 1,100,000 |
| Pretax income | 362,000 | 843,000 | 1,316,000 | 1,625,000 |
| Income tax | 116,000 | 272,000 | 425,000 | 526,000 |
| Net income | 246,000 | 571,000 | 891,000 | 1,099,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 23,353,000 | 23,603,000 | 23,885,000 | 24,059,000 |
| Total capital | 25,406,000 | 25,790,000 | 26,092,000 | 26,288,000 |
| Risk-weighted assets | 175,995,000 | 174,877,000 | 176,278,000 | 180,352,000 |
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