Call reports 2003
HOMETOWN BANK — 2003
What HOMETOWN BANK reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 105,235,000 | 105,712,000 | 104,174,000 | 102,505,000 |
| Total loans | 54,586,000 | 56,333,000 | 55,885,000 | 63,203,000 |
| Allowance for loan losses | 467,000 | 485,000 | 511,000 | 510,000 |
| Securities available for sale | 29,023,000 | 29,410,000 | 23,385,000 | 23,423,000 |
| Securities held to maturity | 6,625,000 | 5,321,000 | 8,259,000 | 6,952,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 91,025,000 | 91,692,000 | 90,631,000 | 89,409,000 |
| Interest-bearing deposits | 85,437,000 | 85,413,000 | 84,962,000 | 83,141,000 |
| Noninterest-bearing deposits | 5,588,000 | 6,279,000 | 5,669,000 | 6,268,000 |
| Equity capital | 7,056,000 | 7,115,000 | 7,073,000 | 6,988,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 1,449,000 | 2,850,000 | 4,143,000 | 5,390,000 |
| Interest expense | 528,000 | 1,010,000 | 1,474,000 | 1,917,000 |
| Net interest income | 921,000 | 1,840,000 | 2,669,000 | 3,473,000 |
| Noninterest income | 174,000 | 386,000 | 684,000 | 787,000 |
| Noninterest expense | 828,000 | 1,636,000 | 2,562,000 | 3,459,000 |
| Provision for loan losses | 30,000 | 60,000 | 85,000 | 92,000 |
| Pretax income | 237,000 | 530,000 | 706,000 | 697,000 |
| Income tax | 84,000 | 186,000 | 200,000 | 197,000 |
| Net income | 153,000 | 344,000 | 506,000 | 500,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,727,000 | 6,868,000 | 6,956,000 | 6,903,000 |
| Total capital | 7,194,000 | 7,353,000 | 7,467,000 | 7,413,000 |
| Risk-weighted assets | 54,568,000 | 55,056,000 | 55,550,000 | 61,055,000 |