Call reports 2006
HOMETOWN BANK, NATIONAL ASSOCIATION — 2006
What HOMETOWN BANK, NATIONAL ASSOCIATION reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 227,370,000 | 239,514,000 | 240,433,000 | 245,861,000 |
| Total loans | 197,936,000 | 209,350,000 | 210,740,000 | 210,812,000 |
| Allowance for loan losses | 2,268,000 | 2,401,000 | 2,420,000 | 2,313,000 |
| Securities available for sale | 7,845,000 | 7,839,000 | 7,869,000 | 7,831,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 177,321,000 | 188,610,000 | 192,966,000 | 198,443,000 |
| Interest-bearing deposits | 159,385,000 | 171,714,000 | 176,438,000 | 180,455,000 |
| Noninterest-bearing deposits | 17,936,000 | 16,896,000 | 16,528,000 | 17,988,000 |
| Equity capital | 17,895,000 | 19,393,000 | 20,109,000 | 20,580,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 3,790,000 | 7,890,000 | 12,329,000 | 16,848,000 |
| Interest expense | 1,572,000 | 3,387,000 | 5,471,000 | 7,555,000 |
| Net interest income | 2,218,000 | 4,503,000 | 6,858,000 | 9,293,000 |
| Noninterest income | 479,000 | 960,000 | 1,682,000 | 2,186,000 |
| Noninterest expense | 2,070,000 | 4,252,000 | 6,562,000 | 8,705,000 |
| Provision for loan losses | 193,000 | 361,000 | 506,000 | 812,000 |
| Pretax income | 434,000 | 850,000 | 1,472,000 | 1,962,000 |
| Income tax | 433,000 | 433,000 | 433,000 | 433,000 |
| Net income | 1,000 | 417,000 | 1,039,000 | 1,529,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 17,997,000 | 19,513,000 | 20,135,000 | 20,625,000 |
| Total capital | 20,265,000 | 21,914,000 | 22,555,000 | 22,938,000 |
| Risk-weighted assets | 200,952,000 | 213,095,000 | 217,396,000 | 223,484,000 |