Call reports 2008
HOMETOWN NATIONAL BANK — 2008
What HOMETOWN NATIONAL BANK 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 | 31,483,000 | 32,437,000 | 33,351,000 | 32,589,000 |
| Total loans | 24,777,000 | 25,978,000 | 26,198,000 | 26,448,000 |
| Allowance for loan losses | 428,000 | 530,000 | 520,000 | 631,000 |
| Securities available for sale | 502,000 | 977,000 | 538,000 | 508,000 |
| Securities held to maturity | 1,975,000 | 1,745,000 | 1,245,000 | 500,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 27,414,000 | 28,388,000 | 29,611,000 | 28,940,000 |
| Interest-bearing deposits | 24,291,000 | 24,340,000 | 25,363,000 | 25,184,000 |
| Noninterest-bearing deposits | 3,123,000 | 4,048,000 | 4,248,000 | 3,756,000 |
| Equity capital | 4,010,000 | 3,992,000 | 3,698,000 | 3,578,000 |
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 | 573,000 | 1,115,000 | 1,687,000 | 2,241,000 |
| Interest expense | 242,000 | 457,000 | 659,000 | 839,000 |
| Net interest income | 331,000 | 658,000 | 1,028,000 | 1,402,000 |
| Noninterest income | 8,000 | 19,000 | 23,000 | 32,000 |
| Noninterest expense | 344,000 | 684,000 | 1,064,000 | 1,477,000 |
| Provision for loan losses | 0 | 0 | 0 | 110,000 |
| Pretax income | -5,000 | -7,000 | -470,000 | -635,000 |
| Income tax | 0 | 0 | -156,000 | -204,000 |
| Net income | -5,000 | -7,000 | -314,000 | -431,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,928,000 | 3,896,000 | 3,441,000 | 3,289,000 |
| Total capital | 4,237,000 | 4,229,000 | 3,771,000 | 3,618,000 |
| Risk-weighted assets | 24,598,000 | 26,430,000 | 26,193,000 | 26,077,000 |
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