Call reports 2005
HOMETOWN NATIONAL BANK — 2005
What HOMETOWN NATIONAL BANK reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 42,593,000 | 42,148,000 | 40,377,000 | 40,152,000 |
| Total loans | 37,928,000 | 37,117,000 | 34,146,000 | 31,706,000 |
| Allowance for loan losses | 537,000 | 582,000 | 767,000 | 735,000 |
| Securities available for sale | 0 | 0 | 997,000 | 991,000 |
| Securities held to maturity | 2,327,000 | 2,082,000 | 2,083,000 | 2,084,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 37,368,000 | 36,878,000 | 36,582,000 | 36,396,000 |
| Interest-bearing deposits | 34,391,000 | 33,484,000 | 32,582,000 | 32,048,000 |
| Noninterest-bearing deposits | 2,977,000 | 3,394,000 | 4,001,000 | 4,348,000 |
| Equity capital | 3,665,000 | 3,701,000 | 3,710,000 | 3,503,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 782,000 | 1,578,000 | 2,332,000 | 3,004,000 |
| Interest expense | 276,000 | 556,000 | 825,000 | 1,098,000 |
| Net interest income | 506,000 | 1,022,000 | 1,507,000 | 1,906,000 |
| Noninterest income | 17,000 | 30,000 | 41,000 | 88,000 |
| Noninterest expense | 329,000 | 664,000 | 1,018,000 | 1,540,000 |
| Provision for loan losses | 9,000 | 142,000 | 277,000 | 501,000 |
| Pretax income | 185,000 | 246,000 | 253,000 | -47,000 |
| Income tax | 63,000 | 88,000 | 86,000 | -11,000 |
| Net income | 122,000 | 158,000 | 167,000 | -36,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,665,000 | 3,701,000 | 3,711,000 | 3,508,000 |
| Total capital | 4,090,000 | 4,113,000 | 4,087,000 | 3,862,000 |
| Risk-weighted assets | 33,875,000 | 32,729,000 | 29,681,000 | 27,916,000 |
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