Call reports 2004
HOMETOWN BANK — 2004
What HOMETOWN BANK reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 101,699,000 | 100,647,000 | 99,637,000 | 98,481,000 |
| Total loans | 65,508,000 | 71,517,000 | 75,194,000 | 73,192,000 |
| Allowance for loan losses | 526,000 | 535,000 | 544,000 | 559,000 |
| Securities available for sale | 18,565,000 | 13,560,000 | 11,435,000 | 10,490,000 |
| Securities held to maturity | 6,215,000 | 5,410,000 | 5,249,000 | 4,727,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 89,250,000 | 88,309,000 | 85,733,000 | 86,338,000 |
| Interest-bearing deposits | 83,013,000 | 81,338,000 | 78,984,000 | 79,132,000 |
| Noninterest-bearing deposits | 6,237,000 | 6,971,000 | 6,749,000 | 7,206,000 |
| Equity capital | 6,990,000 | 6,957,000 | 7,237,000 | 7,259,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 1,286,000 | 2,581,000 | 3,879,000 | 5,169,000 |
| Interest expense | 418,000 | 822,000 | 1,242,000 | 1,633,000 |
| Net interest income | 868,000 | 1,759,000 | 2,637,000 | 3,536,000 |
| Noninterest income | 113,000 | 239,000 | 500,000 | 648,000 |
| Noninterest expense | 861,000 | 1,728,000 | 2,711,000 | 3,603,000 |
| Provision for loan losses | 15,000 | 30,000 | 50,000 | 78,000 |
| Pretax income | 88,000 | 204,000 | 312,000 | 416,000 |
| Income tax | 30,000 | 73,000 | 92,000 | 125,000 |
| Net income | 58,000 | 131,000 | 220,000 | 291,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,921,000 | 6,924,000 | 7,189,000 | 7,239,000 |
| Total capital | 7,447,000 | 7,459,000 | 7,733,000 | 7,798,000 |
| Risk-weighted assets | 61,686,000 | 65,556,000 | 69,104,000 | 67,501,000 |