Call reports 2008
HOMETOWN BANK, NATIONAL ASSOCIATION — 2008
What HOMETOWN BANK, NATIONAL ASSOCIATION 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 | 243,854,000 | 252,823,000 | 259,353,000 | 286,757,000 |
| Total loans | 166,133,000 | 173,752,000 | 177,596,000 | 186,163,000 |
| Allowance for loan losses | 1,647,000 | 1,754,000 | 1,912,000 | 2,294,000 |
| Securities available for sale | 56,677,000 | 63,090,000 | 63,518,000 | 74,160,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 218,033,000 | 224,284,000 | 230,107,000 | 260,437,000 |
| Interest-bearing deposits | 172,173,000 | 136,201,000 | 176,525,000 | 191,133,000 |
| Noninterest-bearing deposits | 45,860,000 | 88,083,000 | 53,582,000 | 69,304,000 |
| Equity capital | 24,721,000 | 24,372,000 | 25,670,000 | 25,698,000 |
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 | 3,829,000 | 7,694,000 | 11,647,000 | 15,652,000 |
| Interest expense | 1,396,000 | 2,718,000 | 3,961,000 | 5,031,000 |
| Net interest income | 2,433,000 | 4,976,000 | 7,686,000 | 10,621,000 |
| Noninterest income | 375,000 | 765,000 | 1,137,000 | 1,495,000 |
| Noninterest expense | 1,868,000 | 3,786,000 | 5,712,000 | 7,787,000 |
| Provision for loan losses | 108,000 | 217,000 | 414,000 | 913,000 |
| Pretax income | 857,000 | 1,761,000 | 2,720,000 | 3,464,000 |
| Income tax | 255,000 | 519,000 | 784,000 | 987,000 |
| Net income | 602,000 | 1,242,000 | 1,936,000 | 2,477,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 24,094,000 | 24,733,000 | 25,427,000 | 25,428,000 |
| Total capital | 25,741,000 | 26,487,000 | 27,339,000 | 27,626,000 |
| Risk-weighted assets | 155,871,000 | 165,773,000 | 202,558,000 | 175,730,000 |
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