Call reports 2008
HOME NATIONAL BANK — 2008
What HOME 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 | 815,543,000 | 806,008,000 | 789,577,000 | 742,036,000 |
| Total loans | 631,606,000 | 605,364,000 | 581,928,000 | 533,603,000 |
| Allowance for loan losses | 10,437,000 | 9,258,000 | 8,663,000 | 18,485,000 |
| Securities available for sale | 114,248,000 | 122,959,000 | 131,133,000 | 130,209,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 607,614,000 | 612,304,000 | 601,826,000 | 577,439,000 |
| Interest-bearing deposits | 577,783,000 | 578,939,000 | 573,166,000 | 549,689,000 |
| Noninterest-bearing deposits | 29,831,000 | 33,365,000 | 28,660,000 | 27,750,000 |
| Equity capital | 92,520,000 | 90,221,000 | 91,123,000 | 74,749,000 |
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 | 12,071,000 | 23,977,000 | 35,331,000 | 45,575,000 |
| Interest expense | 5,195,000 | 9,888,000 | 14,623,000 | 19,083,000 |
| Net interest income | 6,876,000 | 14,089,000 | 20,708,000 | 26,492,000 |
| Noninterest income | 1,873,000 | 3,781,000 | 5,625,000 | 7,353,000 |
| Noninterest expense | 7,076,000 | 14,131,000 | 21,468,000 | 34,125,000 |
| Provision for loan losses | 5,000 | 205,000 | 1,016,000 | 13,220,000 |
| Pretax income | 1,668,000 | 3,534,000 | 3,849,000 | -13,500,000 |
| Income tax | 33,000 | 81,000 | 128,000 | -114,000 |
| Net income | 1,635,000 | 3,453,000 | 3,721,000 | -13,386,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 89,848,000 | 89,914,000 | 89,397,000 | 70,806,000 |
| Total capital | 98,936,000 | 98,759,000 | 97,962,000 | 78,696,000 |
| Risk-weighted assets | 725,760,000 | 707,217,000 | 684,999,000 | 620,473,000 |