Call reports 2006
HOMETOWN BANK OF ALABAMA, THE — 2006
What HOMETOWN BANK OF ALABAMA, THE reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 97,305,000 | 104,120,000 | 111,360,000 | 127,941,000 |
| Total loans | 71,087,000 | 76,018,000 | 78,314,000 | 82,105,000 |
| Allowance for loan losses | 711,000 | 768,000 | 784,000 | 821,000 |
| Securities available for sale | 19,748,000 | 21,162,000 | 21,713,000 | 26,545,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 88,269,000 | 94,220,000 | 101,125,000 | 116,488,000 |
| Interest-bearing deposits | 80,277,000 | 86,051,000 | 92,161,000 | 107,926,000 |
| Noninterest-bearing deposits | 7,992,000 | 8,169,000 | 8,964,000 | 8,562,000 |
| Equity capital | 8,557,000 | 9,013,000 | 9,506,000 | 10,520,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 1,580,000 | 3,399,000 | 5,370,000 | 7,601,000 |
| Interest expense | 709,000 | 1,542,000 | 2,474,000 | 3,585,000 |
| Net interest income | 871,000 | 1,857,000 | 2,896,000 | 4,016,000 |
| Noninterest income | 120,000 | 261,000 | 413,000 | 592,000 |
| Noninterest expense | 573,000 | 1,146,000 | 1,804,000 | 2,517,000 |
| Provision for loan losses | 171,000 | 321,000 | 360,000 | 400,000 |
| Pretax income | 230,000 | 618,000 | 1,066,000 | 1,612,000 |
| Income tax | 110,000 | 273,000 | 428,000 | 569,000 |
| Net income | 120,000 | 345,000 | 638,000 | 1,043,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,797,000 | 9,354,000 | 9,681,000 | 10,590,000 |
| Total capital | 9,508,000 | 10,122,000 | 10,465,000 | 11,411,000 |
| Risk-weighted assets | 71,127,000 | 75,499,000 | 78,540,000 | 84,071,000 |
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