Call reports 2007
HOMETOWN NATIONAL BANK — 2007
What HOMETOWN NATIONAL BANK 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 | 36,261,000 | 36,936,000 | 36,571,000 | 35,569,000 |
| Total loans | 25,668,000 | 26,401,000 | 26,614,000 | 25,690,000 |
| Allowance for loan losses | 437,000 | 487,000 | 459,000 | 441,000 |
| Securities available for sale | 996,000 | 998,000 | 500,000 | 0 |
| Securities held to maturity | 3,585,000 | 3,230,000 | 2,482,000 | 3,583,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 32,611,000 | 33,281,000 | 32,724,000 | 31,654,000 |
| Interest-bearing deposits | 28,394,000 | 28,873,000 | 28,239,000 | 27,465,000 |
| Noninterest-bearing deposits | 4,217,000 | 4,408,000 | 4,485,000 | 4,189,000 |
| Equity capital | 3,552,000 | 3,562,000 | 3,776,000 | 3,792,000 |
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 | 644,000 | 1,307,000 | 1,990,000 | 2,652,000 |
| Interest expense | 294,000 | 598,000 | 915,000 | 1,209,000 |
| Net interest income | 350,000 | 709,000 | 1,075,000 | 1,443,000 |
| Noninterest income | 28,000 | 53,000 | 59,000 | 77,000 |
| Noninterest expense | 375,000 | 750,000 | 1,106,000 | 1,472,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 3,000 | 12,000 | 28,000 | 48,000 |
| Income tax | 0 | 0 | 3,000 | 7,000 |
| Net income | 3,000 | 12,000 | 25,000 | 41,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,475,000 | 3,484,000 | 3,691,000 | 3,710,000 |
| Total capital | 3,806,000 | 3,815,000 | 4,028,000 | 4,037,000 |
| Risk-weighted assets | 26,391,000 | 26,772,000 | 26,899,000 | 26,117,000 |
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