Call reports 2009
HOMETOWN BANK — 2009
What HOMETOWN BANK reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 116,706,000 | 121,731,000 | 125,481,000 | 126,069,000 |
| Total loans | 88,543,000 | 90,698,000 | 94,951,000 | 100,634,000 |
| Allowance for loan losses | 514,000 | 400,000 | 433,000 | 398,000 |
| Securities available for sale | 8,685,000 | 8,772,000 | 8,792,000 | 8,812,000 |
| Securities held to maturity | 5,603,000 | 5,314,000 | 4,950,000 | 4,663,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 98,573,000 | 103,544,000 | 107,360,000 | 107,885,000 |
| Interest-bearing deposits | 88,069,000 | 93,270,000 | 97,545,000 | 97,434,000 |
| Noninterest-bearing deposits | 10,504,000 | 10,274,000 | 9,815,000 | 10,451,000 |
| Equity capital | 9,274,000 | 9,483,000 | 9,573,000 | 9,716,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 1,564,000 | 3,156,000 | 4,742,000 | 6,462,000 |
| Interest expense | 558,000 | 1,075,000 | 1,589,000 | 2,078,000 |
| Net interest income | 1,006,000 | 2,081,000 | 3,153,000 | 4,384,000 |
| Noninterest income | 204,000 | 537,000 | 772,000 | 936,000 |
| Noninterest expense | 969,000 | 2,091,000 | 3,210,000 | 4,250,000 |
| Provision for loan losses | 22,000 | 38,000 | 94,000 | 229,000 |
| Pretax income | 219,000 | 489,000 | 621,000 | 841,000 |
| Income tax | 78,000 | 167,000 | 191,000 | 260,000 |
| Net income | 141,000 | 322,000 | 430,000 | 581,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,271,000 | 9,480,000 | 9,571,000 | 9,715,000 |
| Total capital | 9,785,000 | 9,880,000 | 10,004,000 | 10,113,000 |
| Risk-weighted assets | 80,747,000 | 83,645,000 | 86,778,000 | 91,403,000 |