Call reports 2002
HOMETOWN BANK — 2002
What HOMETOWN BANK reported to the FFIEC in 2002, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Total assets | 99,808,000 | 100,845,000 | 102,869,000 | 102,016,000 |
| Total loans | 57,919,000 | 57,108,000 | 56,442,000 | 55,103,000 |
| Allowance for loan losses | 433,000 | 439,000 | 457,000 | 447,000 |
| Securities available for sale | 14,654,000 | 13,941,000 | 25,044,000 | 27,861,000 |
| Securities held to maturity | 8,597,000 | 8,084,000 | 7,616,000 | 7,915,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 85,457,000 | 86,301,000 | 87,102,000 | 86,740,000 |
| Interest-bearing deposits | 80,625,000 | 80,621,000 | 81,929,000 | 81,596,000 |
| Noninterest-bearing deposits | 4,832,000 | 5,680,000 | 5,173,000 | 5,144,000 |
| Equity capital | 6,307,000 | 6,681,000 | 6,966,000 | 7,018,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Interest income | 1,542,000 | 3,085,000 | 4,568,000 | 6,038,000 |
| Interest expense | 695,000 | 1,313,000 | 1,932,000 | 2,523,000 |
| Net interest income | 847,000 | 1,772,000 | 2,636,000 | 3,515,000 |
| Noninterest income | 161,000 | 333,000 | 592,000 | 799,000 |
| Noninterest expense | 711,000 | 1,478,000 | 2,307,000 | 3,116,000 |
| Provision for loan losses | 8,000 | 18,000 | 38,000 | 58,000 |
| Pretax income | 289,000 | 609,000 | 883,000 | 1,140,000 |
| Income tax | 98,000 | 204,000 | 246,000 | 333,000 |
| Net income | 191,000 | 405,000 | 637,000 | 807,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,190,000 | 6,372,000 | 6,560,000 | 6,621,000 |
| Total capital | 6,623,000 | 6,811,000 | 7,020,000 | 7,068,000 |
| Risk-weighted assets | 52,712,000 | 53,255,000 | 53,730,000 | 53,242,000 |