Call reports 2005
HOMETOWN BANK, NATIONAL ASSOCIATION — 2005
What HOMETOWN BANK, NATIONAL ASSOCIATION 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 | 194,515,000 | 209,876,000 | 216,725,000 | 215,220,000 |
| Total loans | 173,277,000 | 184,601,000 | 188,500,000 | 185,450,000 |
| Allowance for loan losses | 1,971,000 | 2,101,000 | 2,173,000 | 2,142,000 |
| Securities available for sale | 7,884,000 | 7,922,000 | 7,883,000 | 7,867,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 145,249,000 | 152,462,000 | 165,808,000 | 170,028,000 |
| Interest-bearing deposits | 131,446,000 | 138,937,000 | 147,189,000 | 152,517,000 |
| Noninterest-bearing deposits | 13,804,000 | 13,525,000 | 18,619,000 | 17,511,000 |
| Equity capital | 15,792,000 | 16,638,000 | 16,937,000 | 17,343,000 |
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 | 2,772,000 | 5,886,000 | 9,253,000 | 12,851,000 |
| Interest expense | 938,000 | 2,034,000 | 3,350,000 | 4,806,000 |
| Net interest income | 1,834,000 | 3,852,000 | 5,903,000 | 8,045,000 |
| Noninterest income | 443,000 | 893,000 | 1,377,000 | 1,923,000 |
| Noninterest expense | 1,703,000 | 3,472,000 | 5,408,000 | 7,344,000 |
| Provision for loan losses | 100,000 | 309,000 | 418,000 | 545,000 |
| Pretax income | 474,000 | 964,000 | 1,454,000 | 2,079,000 |
| Income tax | 171,000 | 345,000 | 519,000 | 743,000 |
| Net income | 303,000 | 619,000 | 935,000 | 1,336,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 15,864,000 | 16,680,000 | 16,996,000 | 17,397,000 |
| Total capital | 17,835,000 | 18,781,000 | 19,169,000 | 19,539,000 |
| Risk-weighted assets | 169,239,000 | 180,728,000 | 187,599,000 | 185,254,000 |