Call reports 2007
HOMETOWN BANK — 2007
What HOMETOWN BANK reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 101,100,000 | 105,585,000 | 105,285,000 | 106,358,000 |
| Total loans | 76,177,000 | 78,274,000 | 79,492,000 | 79,430,000 |
| Allowance for loan losses | 496,000 | 496,000 | 510,000 | 500,000 |
| Securities available for sale | 9,154,000 | 9,152,000 | 9,161,000 | 9,192,000 |
| Securities held to maturity | 6,451,000 | 6,278,000 | 6,161,000 | 6,048,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 84,262,000 | 88,875,000 | 88,688,000 | 89,922,000 |
| Interest-bearing deposits | 75,961,000 | 77,300,000 | 78,343,000 | 80,033,000 |
| Noninterest-bearing deposits | 8,301,000 | 11,575,000 | 10,345,000 | 9,889,000 |
| Equity capital | 6,789,000 | 8,412,000 | 8,427,000 | 8,412,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 1,520,000 | 3,068,000 | 4,695,000 | 6,315,000 |
| Interest expense | 679,000 | 1,379,000 | 2,099,000 | 2,838,000 |
| Net interest income | 841,000 | 1,689,000 | 2,596,000 | 3,477,000 |
| Noninterest income | 216,000 | 329,000 | 573,000 | 707,000 |
| Noninterest expense | 868,000 | 1,704,000 | 2,699,000 | 3,590,000 |
| Provision for loan losses | 0 | 10,000 | 25,000 | 40,000 |
| Pretax income | 189,000 | 304,000 | 445,000 | 554,000 |
| Income tax | 66,000 | 105,000 | 138,000 | 174,000 |
| Net income | 123,000 | 199,000 | 307,000 | 380,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,783,000 | 8,407,000 | 8,422,000 | 8,408,000 |
| Total capital | 7,279,000 | 8,903,000 | 8,932,000 | 8,908,000 |
| Risk-weighted assets | 70,905,000 | 72,671,000 | 74,991,000 | 74,010,000 |