Call reports 2005
HOMETOWN BANK — 2005
What HOMETOWN BANK reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 94,267,000 | 92,006,000 | 95,543,000 | 95,388,000 |
| Total loans | 72,280,000 | 72,223,000 | 74,007,000 | 74,417,000 |
| Allowance for loan losses | 454,000 | 480,000 | 483,000 | 507,000 |
| Securities available for sale | 9,511,000 | 8,587,000 | 8,626,000 | 8,679,000 |
| Securities held to maturity | 4,475,000 | 4,144,000 | 3,794,000 | 3,353,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 81,779,000 | 80,630,000 | 80,076,000 | 81,333,000 |
| Interest-bearing deposits | 75,012,000 | 73,058,000 | 71,886,000 | 72,731,000 |
| Noninterest-bearing deposits | 6,767,000 | 7,572,000 | 8,190,000 | 8,602,000 |
| Equity capital | 7,130,000 | 7,109,000 | 7,120,000 | 7,042,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 1,262,000 | 2,588,000 | 3,944,000 | 5,291,000 |
| Interest expense | 367,000 | 726,000 | 1,115,000 | 1,534,000 |
| Net interest income | 895,000 | 1,862,000 | 2,829,000 | 3,757,000 |
| Noninterest income | 118,000 | 254,000 | 507,000 | 618,000 |
| Noninterest expense | 904,000 | 1,769,000 | 2,699,000 | 3,574,000 |
| Provision for loan losses | 167,000 | 197,000 | 227,000 | 252,000 |
| Pretax income | -87,000 | 82,000 | 342,000 | 481,000 |
| Income tax | -28,000 | 28,000 | 100,000 | 146,000 |
| Net income | -59,000 | 54,000 | 242,000 | 335,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,093,000 | 7,094,000 | 7,107,000 | 7,032,000 |
| Total capital | 7,547,000 | 7,574,000 | 7,590,000 | 7,539,000 |
| Risk-weighted assets | 65,871,000 | 65,748,000 | 67,840,000 | 67,681,000 |