Call reports 2002
HOMETOWN NATIONAL BANK — 2002
What HOMETOWN NATIONAL BANK reported to the FFIEC in 2002, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Total assets | 23,671,000 | 26,726,000 | 28,928,000 | 30,813,000 |
| Total loans | 18,780,000 | 22,147,000 | 25,143,000 | 26,247,000 |
| Allowance for loan losses | 270,000 | 236,000 | 202,000 | 268,000 |
| Securities available for sale | 0 | 0 | 502,000 | 1,006,000 |
| Securities held to maturity | 699,000 | 1,199,000 | 1,100,000 | 1,000,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 21,099,000 | 24,145,000 | 26,171,000 | 27,944,000 |
| Interest-bearing deposits | 19,297,000 | 22,003,000 | 24,182,000 | 25,424,000 |
| Noninterest-bearing deposits | 1,802,000 | 2,142,000 | 1,989,000 | 2,520,000 |
| Equity capital | 2,429,000 | 2,458,000 | 2,635,000 | 2,755,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Interest income | 455,000 | 943,000 | 1,498,000 | 2,116,000 |
| Interest expense | 203,000 | 428,000 | 666,000 | 901,000 |
| Net interest income | 252,000 | 515,000 | 832,000 | 1,215,000 |
| Noninterest income | 23,000 | 33,000 | 58,000 | 89,000 |
| Noninterest expense | 213,000 | 423,000 | 649,000 | 877,000 |
| Provision for loan losses | 5,000 | 25,000 | 319,000 | 385,000 |
| Pretax income | 57,000 | 100,000 | -78,000 | 42,000 |
| Income tax | 20,000 | 34,000 | 0 | 4,000 |
| Net income | 37,000 | 66,000 | -78,000 | 38,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,241,000 | 2,253,000 | 2,432,000 | 2,659,000 |
| Total capital | 2,470,000 | 2,489,000 | 2,634,000 | 2,927,000 |
| Risk-weighted assets | 18,263,000 | 21,572,000 | 24,231,000 | 25,449,000 |