Call reports 2003
HOMETOWN NATIONAL BANK — 2003
What HOMETOWN NATIONAL BANK reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 32,173,000 | 31,751,000 | 31,655,000 | 33,452,000 |
| Total loans | 27,308,000 | 28,066,000 | 26,091,000 | 28,093,000 |
| Allowance for loan losses | 284,000 | 286,000 | 301,000 | 302,000 |
| Securities available for sale | 505,000 | 760,000 | 763,000 | 503,000 |
| Securities held to maturity | 800,000 | 955,000 | 1,095,000 | 2,503,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 29,235,000 | 28,709,000 | 28,504,000 | 30,228,000 |
| Interest-bearing deposits | 26,928,000 | 26,661,000 | 25,997,000 | 27,272,000 |
| Noninterest-bearing deposits | 2,307,000 | 2,048,000 | 2,507,000 | 2,956,000 |
| Equity capital | 2,836,000 | 2,947,000 | 3,073,000 | 3,155,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 589,000 | 1,232,000 | 1,854,000 | 2,451,000 |
| Interest expense | 229,000 | 459,000 | 674,000 | 878,000 |
| Net interest income | 360,000 | 773,000 | 1,180,000 | 1,573,000 |
| Noninterest income | 28,000 | 32,000 | 51,000 | 61,000 |
| Noninterest expense | 233,000 | 477,000 | 697,000 | 943,000 |
| Provision for loan losses | 31,000 | 42,000 | 57,000 | 72,000 |
| Pretax income | 126,000 | 288,000 | 479,000 | 621,000 |
| Income tax | 43,000 | 98,000 | 161,000 | 217,000 |
| Net income | 83,000 | 190,000 | 318,000 | 404,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,757,000 | 2,939,000 | 3,067,000 | 3,154,000 |
| Total capital | 3,041,000 | 3,225,000 | 3,368,000 | 3,456,000 |
| Risk-weighted assets | 26,442,000 | 28,972,000 | 23,543,000 | 25,075,000 |
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