Call reports 2005
HOMETOWN NATIONAL BANK — 2005
What HOMETOWN NATIONAL BANK reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 131,234,000 | 132,773,000 | 133,249,000 | 132,627,000 |
| Total loans | 63,148,000 | 67,983,000 | 67,427,000 | 73,096,000 |
| Allowance for loan losses | 1,292,000 | 1,315,000 | 1,341,000 | 1,359,000 |
| Securities available for sale | 56,197,000 | 53,703,000 | 50,141,000 | 46,687,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 117,865,000 | 115,438,000 | 114,801,000 | 115,491,000 |
| Interest-bearing deposits | 102,608,000 | 100,167,000 | 99,468,000 | 99,447,000 |
| Noninterest-bearing deposits | 15,257,000 | 15,271,000 | 15,333,000 | 16,044,000 |
| Equity capital | 8,238,000 | 11,901,000 | 11,824,000 | 11,285,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 1,499,000 | 3,067,000 | 4,635,000 | 6,283,000 |
| Interest expense | 508,000 | 1,048,000 | 1,637,000 | 2,277,000 |
| Net interest income | 991,000 | 2,019,000 | 2,998,000 | 4,006,000 |
| Noninterest income | 245,000 | 486,000 | 767,000 | 921,000 |
| Noninterest expense | 945,000 | 1,863,000 | 2,935,000 | 4,420,000 |
| Provision for loan losses | 47,000 | 67,000 | 89,000 | 95,000 |
| Pretax income | 244,000 | 575,000 | 741,000 | 412,000 |
| Income tax | 65,000 | 157,000 | 199,000 | 96,000 |
| Net income | 179,000 | 418,000 | 542,000 | 316,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,928,000 | 12,167,000 | 12,290,000 | 12,064,000 |
| Total capital | 10,011,000 | 13,231,000 | 13,360,000 | 13,165,000 |
| Risk-weighted assets | 86,443,000 | 84,862,000 | 88,959,000 | 87,786,000 |