Call reports 2008
HOMETOWN BANK, NATIONAL ASSOCIATION — 2008
What HOMETOWN BANK, NATIONAL ASSOCIATION reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 262,143,000 | 262,538,000 | 267,628,000 | 258,039,000 |
| Total loans | 222,470,000 | 220,224,000 | 218,255,000 | 210,229,000 |
| Allowance for loan losses | 2,239,000 | 3,451,000 | 4,152,000 | 3,781,000 |
| Securities available for sale | 2,301,000 | 1,995,000 | 1,999,000 | 4,111,000 |
| Securities held to maturity | 6,576,000 | 6,582,000 | 7,396,000 | 7,141,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 196,966,000 | 210,088,000 | 214,344,000 | 206,294,000 |
| Interest-bearing deposits | 180,239,000 | 191,376,000 | 197,222,000 | 190,525,000 |
| Noninterest-bearing deposits | 16,727,000 | 18,712,000 | 17,122,000 | 15,769,000 |
| Equity capital | 21,825,000 | 20,104,000 | 22,270,000 | 23,368,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 4,196,000 | 8,156,000 | 12,022,000 | 15,726,000 |
| Interest expense | 2,084,000 | 3,891,000 | 5,598,000 | 7,293,000 |
| Net interest income | 2,112,000 | 4,265,000 | 6,424,000 | 8,433,000 |
| Noninterest income | 529,000 | 1,018,000 | 1,553,000 | 2,045,000 |
| Noninterest expense | 2,496,000 | 5,014,000 | 7,460,000 | 9,818,000 |
| Provision for loan losses | 79,000 | 1,865,000 | 2,950,000 | 3,031,000 |
| Pretax income | 66,000 | -1,596,000 | -2,433,000 | -2,371,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 66,000 | -1,596,000 | -2,433,000 | -2,371,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 21,736,000 | 20,074,000 | 22,236,000 | 23,224,000 |
| Total capital | 23,975,000 | 22,889,000 | 25,090,000 | 25,950,000 |
| Risk-weighted assets | 228,935,000 | 224,593,000 | 227,044,000 | 216,973,000 |