Call reports 2008
HOMETOWN BANK — 2008
What HOMETOWN BANK reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 108,314,000 | 110,634,000 | 110,612,000 | 111,535,000 |
| Total loans | 79,365,000 | 81,958,000 | 84,215,000 | 85,795,000 |
| Allowance for loan losses | 507,000 | 478,000 | 503,000 | 569,000 |
| Securities available for sale | 9,211,000 | 9,101,000 | 9,022,000 | 8,500,000 |
| Securities held to maturity | 5,948,000 | 5,841,000 | 5,762,000 | 5,687,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 92,214,000 | 92,784,000 | 92,869,000 | 93,975,000 |
| Interest-bearing deposits | 82,474,000 | 82,039,000 | 82,373,000 | 84,025,000 |
| Noninterest-bearing deposits | 9,740,000 | 10,745,000 | 10,496,000 | 9,950,000 |
| Equity capital | 8,422,000 | 8,458,000 | 8,535,000 | 8,341,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 1,608,000 | 3,210,000 | 4,793,000 | 6,408,000 |
| Interest expense | 710,000 | 1,347,000 | 1,967,000 | 2,584,000 |
| Net interest income | 898,000 | 1,863,000 | 2,826,000 | 3,824,000 |
| Noninterest income | 136,000 | 263,000 | 541,000 | 664,000 |
| Noninterest expense | 910,000 | 1,816,000 | 2,848,000 | 3,780,000 |
| Provision for loan losses | 15,000 | 35,000 | 80,000 | 170,000 |
| Pretax income | 109,000 | 275,000 | 439,000 | 520,000 |
| Income tax | 37,000 | 94,000 | 129,000 | 156,000 |
| Net income | 72,000 | 181,000 | 310,000 | 364,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,418,000 | 8,455,000 | 8,532,000 | 8,338,000 |
| Total capital | 8,925,000 | 8,933,000 | 9,035,000 | 8,907,000 |
| Risk-weighted assets | 74,943,000 | 77,141,000 | 77,560,000 | 78,746,000 |
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