Call reports 2006
HOMETOWN BANK — 2006
What HOMETOWN BANK reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 95,791,000 | 97,873,000 | 101,135,000 | 101,664,000 |
| Total loans | 74,480,000 | 77,923,000 | 80,149,000 | 79,537,000 |
| Allowance for loan losses | 514,000 | 534,000 | 501,000 | 503,000 |
| Securities available for sale | 8,742,000 | 8,817,000 | 8,967,000 | 9,063,000 |
| Securities held to maturity | 3,230,000 | 3,024,000 | 2,870,000 | 2,775,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 79,209,000 | 81,342,000 | 84,449,000 | 86,129,000 |
| Interest-bearing deposits | 70,584,000 | 73,035,000 | 76,499,000 | 77,592,000 |
| Noninterest-bearing deposits | 8,625,000 | 8,307,000 | 7,950,000 | 8,537,000 |
| Equity capital | 6,986,000 | 7,008,000 | 6,705,000 | 6,728,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 1,348,000 | 2,781,000 | 4,240,000 | 5,779,000 |
| Interest expense | 492,000 | 1,059,000 | 1,692,000 | 2,376,000 |
| Net interest income | 856,000 | 1,722,000 | 2,548,000 | 3,403,000 |
| Noninterest income | 118,000 | 215,000 | 445,000 | 581,000 |
| Noninterest expense | 890,000 | 1,763,000 | 2,721,000 | 3,596,000 |
| Provision for loan losses | 22,000 | 37,000 | 37,000 | 37,000 |
| Pretax income | 62,000 | 137,000 | 235,000 | 351,000 |
| Income tax | 22,000 | 47,000 | 65,000 | 104,000 |
| Net income | 40,000 | 90,000 | 170,000 | 247,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,977,000 | 7,001,000 | 6,699,000 | 6,722,000 |
| Total capital | 7,491,000 | 7,535,000 | 7,200,000 | 7,225,000 |
| Risk-weighted assets | 68,151,000 | 71,007,000 | 71,067,000 | 70,884,000 |