Call reports 2008
HOMETOWN BANK — 2008
What HOMETOWN BANK 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 | 169,707,000 | 185,543,000 | 211,532,000 | 233,635,000 |
| Total loans | 149,907,000 | 165,417,000 | 183,905,000 | 211,253,000 |
| Allowance for loan losses | 1,649,000 | 1,817,000 | 1,875,000 | 2,862,000 |
| Securities available for sale | 8,186,000 | 8,006,000 | 6,031,000 | 9,488,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 126,000 | 152,000 | 405,000 |
| Total deposits | 130,295,000 | 138,582,000 | 166,338,000 | 188,411,000 |
| Interest-bearing deposits | 122,063,000 | 127,327,000 | 156,858,000 | 175,704,000 |
| Noninterest-bearing deposits | 8,232,000 | 11,255,000 | 9,480,000 | 12,707,000 |
| Equity capital | 20,558,000 | 25,231,000 | 24,870,000 | 24,498,000 |
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 | 2,448,000 | 4,988,000 | 7,694,000 | 10,786,000 |
| Interest expense | 1,339,000 | 2,693,000 | 4,065,000 | 5,548,000 |
| Net interest income | 1,109,000 | 2,295,000 | 3,629,000 | 5,238,000 |
| Noninterest income | 67,000 | 189,000 | 287,000 | 406,000 |
| Noninterest expense | 1,280,000 | 3,014,000 | 4,589,000 | 6,171,000 |
| Provision for loan losses | 177,000 | 346,000 | 597,000 | 1,648,000 |
| Pretax income | -281,000 | -876,000 | -1,270,000 | -2,175,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | -281,000 | -876,000 | -1,270,000 | -2,175,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 20,364,000 | 25,218,000 | 24,832,000 | 23,935,000 |
| Total capital | 22,036,000 | 27,035,000 | 26,707,000 | 26,660,000 |
| Risk-weighted assets | 168,833,000 | 176,848,000 | 199,308,000 | 225,306,000 |
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