Call reports 2008
HOMETOWN NATIONAL BANK — 2008
What HOMETOWN NATIONAL BANK reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 169,663,000 | 164,995,000 | 157,372,000 | 161,218,000 |
| Total loans | 122,621,000 | 122,008,000 | 124,021,000 | 127,656,000 |
| Allowance for loan losses | 1,531,000 | 1,600,000 | 1,954,000 | 1,725,000 |
| Securities available for sale | 27,644,000 | 25,528,000 | 20,456,000 | 18,261,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 146,045,000 | 135,467,000 | 130,948,000 | 138,006,000 |
| Interest-bearing deposits | 125,391,000 | 113,912,000 | 110,054,000 | 115,956,000 |
| Noninterest-bearing deposits | 20,654,000 | 21,555,000 | 20,894,000 | 22,050,000 |
| Equity capital | 13,888,000 | 14,101,000 | 13,832,000 | 13,870,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 2,431,000 | 4,738,000 | 6,884,000 | 8,988,000 |
| Interest expense | 1,022,000 | 1,848,000 | 2,539,000 | 3,182,000 |
| Net interest income | 1,409,000 | 2,890,000 | 4,345,000 | 5,806,000 |
| Noninterest income | 245,000 | 544,000 | 822,000 | 1,115,000 |
| Noninterest expense | 1,185,000 | 2,347,000 | 3,498,000 | 4,684,000 |
| Provision for loan losses | 71,000 | 136,000 | 491,000 | 1,291,000 |
| Pretax income | 398,000 | 951,000 | 565,000 | 279,000 |
| Income tax | 134,000 | 330,000 | 387,000 | 87,000 |
| Net income | 264,000 | 621,000 | 178,000 | 192,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 13,888,000 | 14,245,000 | 13,803,000 | 13,817,000 |
| Total capital | 15,419,000 | 15,845,000 | 15,380,000 | 15,452,000 |
| Risk-weighted assets | 134,784,000 | 131,785,000 | 126,220,000 | 130,724,000 |