Call reports 2007
HOMETOWN BANK, NATIONAL ASSOCIATION — 2007
What HOMETOWN BANK, NATIONAL ASSOCIATION reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 230,613,000 | 234,378,000 | 237,222,000 | 239,104,000 |
| Total loans | 156,664,000 | 161,157,000 | 158,638,000 | 161,424,000 |
| Allowance for loan losses | 1,566,000 | 1,650,000 | 1,698,000 | 1,660,000 |
| Securities available for sale | 49,135,000 | 47,769,000 | 47,133,000 | 57,943,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 207,274,000 | 210,874,000 | 212,668,000 | 214,553,000 |
| Interest-bearing deposits | 166,174,000 | 166,631,000 | 41,596,000 | 43,777,000 |
| Noninterest-bearing deposits | 41,100,000 | 44,243,000 | 171,072,000 | 170,776,000 |
| Equity capital | 22,479,000 | 22,679,000 | 23,653,000 | 23,901,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 3,632,000 | 7,373,000 | 11,241,000 | 15,160,000 |
| Interest expense | 1,361,000 | 2,787,000 | 4,346,000 | 5,872,000 |
| Net interest income | 2,271,000 | 4,586,000 | 6,895,000 | 9,288,000 |
| Noninterest income | 334,000 | 708,000 | 1,066,000 | 1,419,000 |
| Noninterest expense | 1,660,000 | 3,452,000 | 5,243,000 | 7,032,000 |
| Provision for loan losses | 189,000 | 270,000 | 324,000 | 324,000 |
| Pretax income | 756,000 | 1,572,000 | 2,394,000 | 3,351,000 |
| Income tax | 200,000 | 485,000 | 740,000 | 1,029,000 |
| Net income | 556,000 | 1,087,000 | 1,654,000 | 2,322,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 22,720,000 | 23,250,000 | 23,819,000 | 23,971,000 |
| Total capital | 24,286,000 | 24,901,000 | 25,517,000 | 25,631,000 |
| Risk-weighted assets | 178,282,000 | 167,130,000 | 170,568,000 | 164,316,000 |
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