Call reports 2002
HOMETOWN NATIONAL BANK — 2002
What HOMETOWN NATIONAL BANK reported to the FFIEC in 2002, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Total assets | 123,868,000 | 127,091,000 | 128,703,000 | 129,130,000 |
| Total loans | 77,546,000 | 77,503,000 | 73,470,000 | 69,962,000 |
| Allowance for loan losses | 1,278,000 | 1,500,000 | 1,393,000 | 1,521,000 |
| Securities available for sale | 38,493,000 | 44,405,000 | 45,530,000 | 48,555,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 110,397,000 | 112,228,000 | 114,004,000 | 114,436,000 |
| Interest-bearing deposits | 98,586,000 | 99,484,000 | 100,528,000 | 101,199,000 |
| Noninterest-bearing deposits | 11,811,000 | 12,744,000 | 13,476,000 | 13,237,000 |
| Equity capital | 8,349,000 | 8,705,000 | 8,658,000 | 8,744,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Interest income | 1,946,000 | 3,878,000 | 5,800,000 | 7,631,000 |
| Interest expense | 834,000 | 1,668,000 | 2,440,000 | 3,153,000 |
| Net interest income | 1,112,000 | 2,210,000 | 3,360,000 | 4,478,000 |
| Noninterest income | 172,000 | 415,000 | 643,000 | 878,000 |
| Noninterest expense | 789,000 | 1,548,000 | 2,354,000 | 3,226,000 |
| Provision for loan losses | 750,000 | 920,000 | 1,595,000 | 1,895,000 |
| Pretax income | -245,000 | 170,000 | 67,000 | 251,000 |
| Income tax | -109,000 | 8,000 | -53,000 | -10,000 |
| Net income | -136,000 | 162,000 | 120,000 | 261,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,052,000 | 8,150,000 | 8,059,000 | 8,149,000 |
| Total capital | 9,163,000 | 9,265,000 | 9,079,000 | 9,150,000 |
| Risk-weighted assets | 88,683,000 | 88,840,000 | 81,481,000 | 79,575,000 |