Call reports 2007
HOMETOWN NATIONAL BANK — 2007
What HOMETOWN NATIONAL BANK reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 153,017,000 | 156,645,000 | 154,466,000 | 167,923,000 |
| Total loans | 103,416,000 | 108,180,000 | 109,294,000 | 123,472,000 |
| Allowance for loan losses | 1,436,000 | 1,388,000 | 1,437,000 | 1,466,000 |
| Securities available for sale | 34,329,000 | 33,391,000 | 32,569,000 | 31,274,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 133,952,000 | 137,524,000 | 134,060,000 | 141,827,000 |
| Interest-bearing deposits | 114,942,000 | 120,141,000 | 116,256,000 | 119,142,000 |
| Noninterest-bearing deposits | 19,010,000 | 17,383,000 | 17,804,000 | 22,685,000 |
| Equity capital | 12,201,000 | 12,367,000 | 12,892,000 | 13,362,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 2,213,000 | 4,502,000 | 6,901,000 | 9,378,000 |
| Interest expense | 1,009,000 | 2,036,000 | 3,095,000 | 4,179,000 |
| Net interest income | 1,204,000 | 2,466,000 | 3,806,000 | 5,199,000 |
| Noninterest income | 257,000 | 529,000 | 838,000 | 1,135,000 |
| Noninterest expense | 1,088,000 | 2,201,000 | 3,357,000 | 4,544,000 |
| Provision for loan losses | 18,000 | 36,000 | 54,000 | 85,000 |
| Pretax income | 355,000 | 758,000 | 1,233,000 | 1,705,000 |
| Income tax | 110,000 | 236,000 | 388,000 | 538,000 |
| Net income | 245,000 | 522,000 | 845,000 | 1,167,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,702,000 | 12,980,000 | 13,303,000 | 13,624,000 |
| Total capital | 14,138,000 | 14,368,000 | 14,740,000 | 15,090,000 |
| Risk-weighted assets | 116,146,000 | 120,295,000 | 119,719,000 | 136,799,000 |