Call reports 2004
HOMETOWN BANK, NATIONAL ASSOCIATION — 2004
What HOMETOWN BANK, NATIONAL ASSOCIATION reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 167,486,000 | 174,125,000 | 180,046,000 | 186,473,000 |
| Total loans | 149,530,000 | 154,773,000 | 160,127,000 | 166,428,000 |
| Allowance for loan losses | 1,627,000 | 1,697,000 | 1,799,000 | 1,866,000 |
| Securities available for sale | 8,162,000 | 8,030,000 | 8,100,000 | 7,940,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 124,680,000 | 129,638,000 | 132,229,000 | 136,501,000 |
| Interest-bearing deposits | 113,589,000 | 116,962,000 | 120,438,000 | 122,930,000 |
| Noninterest-bearing deposits | 11,091,000 | 12,676,000 | 11,791,000 | 13,572,000 |
| Equity capital | 14,345,000 | 14,570,000 | 14,941,000 | 15,043,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 2,375,000 | 4,811,000 | 7,375,000 | 10,083,000 |
| Interest expense | 686,000 | 1,359,000 | 2,092,000 | 2,917,000 |
| Net interest income | 1,689,000 | 3,452,000 | 5,283,000 | 7,166,000 |
| Noninterest income | 283,000 | 630,000 | 1,044,000 | 1,408,000 |
| Noninterest expense | 1,430,000 | 2,950,000 | 4,564,000 | 6,297,000 |
| Provision for loan losses | 75,000 | 178,000 | 314,000 | 386,000 |
| Pretax income | 467,000 | 954,000 | 1,449,000 | 1,891,000 |
| Income tax | 168,000 | 344,000 | 522,000 | 676,000 |
| Net income | 299,000 | 610,000 | 927,000 | 1,215,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 14,315,000 | 14,626,000 | 14,943,000 | 15,081,000 |
| Total capital | 15,942,000 | 16,323,000 | 16,742,000 | 16,947,000 |
| Risk-weighted assets | 143,196,000 | 148,332,000 | 154,140,000 | 160,421,000 |