Call reports 2003
HOMETOWN BANK, NATIONAL ASSOCIATION — 2003
What HOMETOWN BANK, NATIONAL ASSOCIATION 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 | 149,066,000 | 157,070,000 | 159,390,000 | 169,161,000 |
| Total loans | 133,763,000 | 143,627,000 | 143,995,000 | 148,430,000 |
| Allowance for loan losses | 1,368,000 | 1,496,000 | 1,530,000 | 1,563,000 |
| Securities available for sale | 2,421,000 | 2,411,000 | 2,428,000 | 8,129,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 116,513,000 | 115,791,000 | 119,072,000 | 126,959,000 |
| Interest-bearing deposits | 106,740,000 | 105,542,000 | 109,296,000 | 116,226,000 |
| Noninterest-bearing deposits | 9,773,000 | 10,249,000 | 9,776,000 | 10,733,000 |
| Equity capital | 13,035,000 | 13,410,000 | 13,795,000 | 14,050,000 |
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 | 2,264,000 | 4,624,000 | 7,039,000 | 9,483,000 |
| Interest expense | 847,000 | 1,617,000 | 2,349,000 | 3,068,000 |
| Net interest income | 1,417,000 | 3,007,000 | 4,690,000 | 6,415,000 |
| Noninterest income | 325,000 | 704,000 | 1,124,000 | 1,277,000 |
| Noninterest expense | 1,229,000 | 2,499,000 | 3,858,000 | 5,279,000 |
| Provision for loan losses | 67,000 | 203,000 | 338,000 | 411,000 |
| Pretax income | 446,000 | 1,009,000 | 1,618,000 | 2,002,000 |
| Income tax | 158,000 | 339,000 | 559,000 | 694,000 |
| Net income | 288,000 | 670,000 | 1,059,000 | 1,308,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,996,000 | 13,378,000 | 13,767,000 | 14,016,000 |
| Total capital | 14,364,000 | 14,874,000 | 15,297,000 | 15,579,000 |
| Risk-weighted assets | 127,871,000 | 136,252,000 | 137,013,000 | 144,612,000 |