Call reports 2005
HOME NATIONAL BANK — 2005
What HOME 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 | 53,171,000 | 53,719,000 | 54,013,000 | 53,364,000 |
| Total loans | 38,280,000 | 37,775,000 | 38,800,000 | 40,258,000 |
| Allowance for loan losses | 682,000 | 605,000 | 581,000 | 638,000 |
| Securities available for sale | 10,556,000 | 10,293,000 | 10,085,000 | 9,313,000 |
| Securities held to maturity | 171,000 | 171,000 | 171,000 | 81,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 46,156,000 | 46,567,000 | 46,811,000 | 46,212,000 |
| Interest-bearing deposits | 40,322,000 | 39,909,000 | 40,663,000 | 39,990,000 |
| Noninterest-bearing deposits | 5,834,000 | 6,658,000 | 6,148,000 | 6,222,000 |
| Equity capital | 5,641,000 | 5,786,000 | 5,881,000 | 5,840,000 |
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 | 814,000 | 1,823,000 | 2,711,000 | 3,644,000 |
| Interest expense | 333,000 | 669,000 | 999,000 | 1,323,000 |
| Net interest income | 481,000 | 1,154,000 | 1,712,000 | 2,321,000 |
| Noninterest income | 59,000 | 107,000 | 176,000 | 223,000 |
| Noninterest expense | 387,000 | 765,000 | 1,191,000 | 1,699,000 |
| Provision for loan losses | 45,000 | 90,000 | 140,000 | 200,000 |
| Pretax income | 108,000 | 406,000 | 557,000 | 627,000 |
| Income tax | 32,000 | 134,000 | 176,000 | 200,000 |
| Net income | 76,000 | 272,000 | 381,000 | 427,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,554,000 | 5,821,000 | 5,930,000 | 5,926,000 |
| Total capital | 5,960,000 | 6,231,000 | 6,353,000 | 6,349,000 |
| Risk-weighted assets | 32,242,000 | 32,567,000 | 33,720,000 | 33,656,000 |