Call reports 2002
HOMETOWN NATIONAL BANK — 2002
What HOMETOWN NATIONAL BANK reported to the FFIEC in 2002, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Total assets | 86,982,000 | 82,323,000 | 84,472,000 | 86,177,000 |
| Total loans | 58,394,000 | 59,209,000 | 64,591,000 | 62,321,000 |
| Allowance for loan losses | 480,000 | 534,000 | 543,000 | 593,000 |
| Securities available for sale | 2,487,000 | 744,000 | 1,766,000 | 5,672,000 |
| Securities held to maturity | 7,625,000 | 6,366,000 | 2,110,000 | 1,064,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 79,474,000 | 74,685,000 | 76,737,000 | 78,450,000 |
| Interest-bearing deposits | 75,714,000 | 69,404,000 | 72,392,000 | 74,365,000 |
| Noninterest-bearing deposits | 3,760,000 | 5,281,000 | 4,345,000 | 4,085,000 |
| Equity capital | 7,109,000 | 7,261,000 | 7,369,000 | 7,436,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Interest income | 1,259,000 | 2,558,000 | 3,847,000 | 5,058,000 |
| Interest expense | 716,000 | 1,362,000 | 1,966,000 | 2,535,000 |
| Net interest income | 543,000 | 1,196,000 | 1,881,000 | 2,523,000 |
| Noninterest income | 85,000 | 190,000 | 333,000 | 457,000 |
| Noninterest expense | 427,000 | 862,000 | 1,297,000 | 1,794,000 |
| Provision for loan losses | 25,000 | 115,000 | 329,000 | 544,000 |
| Pretax income | 176,000 | 409,000 | 588,000 | 642,000 |
| Income tax | 70,000 | 163,000 | 235,000 | 241,000 |
| Net income | 106,000 | 246,000 | 353,000 | 401,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,125,000 | 7,257,000 | 7,366,000 | 7,420,000 |
| Total capital | 7,605,000 | 7,791,000 | 7,909,000 | 8,013,000 |
| Risk-weighted assets | 62,746,000 | 61,828,000 | 64,622,000 | 63,418,000 |