Call reports 2004
HOMETOWN NATIONAL BANK — 2004
What HOMETOWN NATIONAL BANK reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 134,313,000 | 129,837,000 | 132,800,000 | 132,582,000 |
| Total loans | 65,570,000 | 63,233,000 | 62,389,000 | 62,445,000 |
| Allowance for loan losses | 1,648,000 | 1,590,000 | 1,283,000 | 1,212,000 |
| Securities available for sale | 62,679,000 | 59,980,000 | 59,589,000 | 60,998,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 113,559,000 | 115,699,000 | 118,106,000 | 118,266,000 |
| Interest-bearing deposits | 100,932,000 | 100,648,000 | 104,938,000 | 102,873,000 |
| Noninterest-bearing deposits | 12,627,000 | 15,051,000 | 13,168,000 | 15,393,000 |
| Equity capital | 9,193,000 | 8,257,000 | 8,987,000 | 8,823,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 1,528,000 | 3,014,000 | 4,507,000 | 6,052,000 |
| Interest expense | 500,000 | 995,000 | 1,521,000 | 2,090,000 |
| Net interest income | 1,028,000 | 2,019,000 | 2,986,000 | 3,962,000 |
| Noninterest income | 241,000 | 405,000 | 632,000 | 867,000 |
| Noninterest expense | 917,000 | 1,769,000 | 2,685,000 | 3,489,000 |
| Provision for loan losses | 13,000 | 0 | 0 | 52,000 |
| Pretax income | 359,000 | 674,000 | 951,000 | 1,246,000 |
| Income tax | 108,000 | 200,000 | 276,000 | 355,000 |
| Net income | 251,000 | 474,000 | 675,000 | 891,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,709,000 | 8,782,000 | 8,833,000 | 8,898,000 |
| Total capital | 9,689,000 | 9,735,000 | 9,764,000 | 9,839,000 |
| Risk-weighted assets | 77,724,000 | 75,578,000 | 74,153,000 | 75,026,000 |