Call reports 2004
HOME BANK OF TENNESSEE, THE — 2004
What HOME BANK OF TENNESSEE, THE reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 94,807,000 | 97,148,000 | 105,269,000 | 104,099,000 |
| Total loans | 74,065,000 | 77,813,000 | 83,640,000 | 84,143,000 |
| Allowance for loan losses | 931,000 | 976,000 | 1,124,000 | 1,252,000 |
| Securities available for sale | 13,189,000 | 10,771,000 | 13,172,000 | 12,618,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 73,962,000 | 78,528,000 | 85,555,000 | 82,893,000 |
| Interest-bearing deposits | 64,085,000 | 68,718,000 | 74,732,000 | 72,009,000 |
| Noninterest-bearing deposits | 9,877,000 | 9,810,000 | 10,823,000 | 10,884,000 |
| Equity capital | 8,709,000 | 8,805,000 | 8,824,000 | 9,049,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 1,259,000 | 2,588,000 | 3,941,000 | 5,415,000 |
| Interest expense | 343,000 | 688,000 | 1,063,000 | 1,482,000 |
| Net interest income | 916,000 | 1,900,000 | 2,878,000 | 3,933,000 |
| Noninterest income | 185,000 | 378,000 | 517,000 | 676,000 |
| Noninterest expense | 777,000 | 1,562,000 | 2,383,000 | 3,154,000 |
| Provision for loan losses | 45,000 | 90,000 | 240,000 | 365,000 |
| Pretax income | 279,000 | 626,000 | 772,000 | 1,090,000 |
| Income tax | 23,000 | 50,000 | 65,000 | 90,000 |
| Net income | 256,000 | 576,000 | 707,000 | 1,000,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,376,000 | 8,546,000 | 8,526,000 | 8,820,000 |
| Total capital | 9,307,000 | 9,522,000 | 9,625,000 | 9,920,000 |
| Risk-weighted assets | 77,821,000 | 81,436,000 | 87,877,000 | 87,897,000 |