Call reports 2004
BANKHOMETOWN — 2004
What BANKHOMETOWN 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 | 127,319,000 | 126,961,000 | 129,737,000 | 137,932,000 |
| Total loans | 92,714,000 | 96,661,000 | 99,092,000 | 103,646,000 |
| Allowance for loan losses | 803,000 | 819,000 | 834,000 | 849,000 |
| Securities available for sale | 24,789,000 | 20,793,000 | 17,777,000 | 17,284,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 117,047,000 | 115,567,000 | 118,823,000 | 125,375,000 |
| Interest-bearing deposits | 109,604,000 | 106,701,000 | 109,948,000 | 114,301,000 |
| Noninterest-bearing deposits | 7,443,000 | 8,866,000 | 8,875,000 | 11,074,000 |
| Equity capital | 10,076,000 | 10,247,000 | 10,882,000 | 11,330,000 |
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 | 1,784,000 | 3,635,000 | 5,500,000 | 7,411,000 |
| Interest expense | 460,000 | 900,000 | 1,340,000 | 1,790,000 |
| Net interest income | 1,324,000 | 2,735,000 | 4,160,000 | 5,621,000 |
| Noninterest income | 137,000 | 277,000 | 464,000 | 679,000 |
| Noninterest expense | 808,000 | 1,567,000 | 2,372,000 | 3,272,000 |
| Provision for loan losses | 30,000 | 50,000 | 65,000 | 80,000 |
| Pretax income | 623,000 | 1,395,000 | 2,187,000 | 2,951,000 |
| Income tax | 275,000 | 610,000 | 951,000 | 1,229,000 |
| Net income | 348,000 | 785,000 | 1,236,000 | 1,722,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,003,000 | 10,451,000 | 10,902,000 | 11,389,000 |
| Total capital | 10,806,000 | 11,270,000 | 11,736,000 | 12,238,000 |
| Risk-weighted assets | 91,213,000 | 88,630,000 | 88,340,000 | 93,335,000 |
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