Call reports 2003
HOMETOWN NATIONAL BANK — 2003
What HOMETOWN NATIONAL BANK reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 133,086,000 | 133,757,000 | 134,354,000 | 132,787,000 |
| Total loans | 71,236,000 | 70,165,000 | 67,455,000 | 64,802,000 |
| Allowance for loan losses | 1,602,000 | 1,613,000 | 1,632,000 | 1,622,000 |
| Securities available for sale | 52,255,000 | 56,387,000 | 60,945,000 | 53,561,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 119,108,000 | 118,401,000 | 118,143,000 | 117,641,000 |
| Interest-bearing deposits | 105,862,000 | 103,777,000 | 104,189,000 | 103,622,000 |
| Noninterest-bearing deposits | 13,246,000 | 14,624,000 | 13,954,000 | 14,019,000 |
| Equity capital | 8,904,000 | 9,113,000 | 9,054,000 | 8,737,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 1,760,000 | 3,456,000 | 4,971,000 | 6,562,000 |
| Interest expense | 634,000 | 1,240,000 | 1,785,000 | 2,295,000 |
| Net interest income | 1,126,000 | 2,216,000 | 3,186,000 | 4,267,000 |
| Noninterest income | 256,000 | 466,000 | 718,000 | 902,000 |
| Noninterest expense | 1,009,000 | 1,964,000 | 2,983,000 | 3,879,000 |
| Provision for loan losses | 170,000 | 200,000 | 180,000 | 530,000 |
| Pretax income | 203,000 | 676,000 | 899,000 | 956,000 |
| Income tax | 51,000 | 191,000 | 247,000 | 248,000 |
| Net income | 152,000 | 485,000 | 652,000 | 708,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,252,000 | 8,535,000 | 8,602,000 | 8,558,000 |
| Total capital | 9,255,000 | 9,532,000 | 9,590,000 | 9,505,000 |
| Risk-weighted assets | 79,620,000 | 79,159,000 | 78,371,000 | 75,097,000 |