Call reports 2005
BANKHOMETOWN — 2005
What BANKHOMETOWN 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 | 135,381,000 | 140,939,000 | 144,918,000 | 150,526,000 |
| Total loans | 108,248,000 | 108,655,000 | 114,531,000 | 119,906,000 |
| Allowance for loan losses | 900,000 | 915,000 | 931,000 | 966,000 |
| Securities available for sale | 16,958,000 | 17,073,000 | 16,980,000 | 16,768,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 120,323,000 | 125,366,000 | 126,882,000 | 130,699,000 |
| Interest-bearing deposits | 110,964,000 | 113,791,000 | 114,645,000 | 118,649,000 |
| Noninterest-bearing deposits | 9,359,000 | 11,575,000 | 12,237,000 | 12,050,000 |
| Equity capital | 11,645,000 | 12,242,000 | 12,690,000 | 13,130,000 |
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 | 1,983,000 | 4,037,000 | 6,213,000 | 8,483,000 |
| Interest expense | 472,000 | 1,003,000 | 1,587,000 | 2,270,000 |
| Net interest income | 1,511,000 | 3,034,000 | 4,626,000 | 6,213,000 |
| Noninterest income | 156,000 | 347,000 | 518,000 | 669,000 |
| Noninterest expense | 793,000 | 1,634,000 | 2,486,000 | 3,476,000 |
| Provision for loan losses | 45,000 | 60,000 | 75,000 | 110,000 |
| Pretax income | 829,000 | 1,687,000 | 2,583,000 | 3,309,000 |
| Income tax | 371,000 | 741,000 | 1,127,000 | 1,344,000 |
| Net income | 458,000 | 946,000 | 1,456,000 | 1,965,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,847,000 | 12,328,000 | 12,829,000 | 13,333,000 |
| Total capital | 12,747,000 | 13,243,000 | 13,760,000 | 14,299,000 |
| Risk-weighted assets | 96,442,000 | 97,943,000 | 100,566,000 | 106,052,000 |
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