Call reports 2001
HOME TOWN BANK OF VILLA RICA — 2001
What HOME TOWN BANK OF VILLA RICA reported to the FFIEC in 2001, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Total assets | 73,211,000 | 82,393,000 | 89,498,000 | 96,442,000 |
| Total loans | 51,080,000 | 56,557,000 | 61,876,000 | 69,501,000 |
| Allowance for loan losses | 646,000 | 692,000 | 728,000 | 876,000 |
| Securities available for sale | 11,528,000 | 11,777,000 | 10,476,000 | 11,303,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 59,779,000 | 68,864,000 | 75,749,000 | 83,955,000 |
| Interest-bearing deposits | 54,719,000 | 62,677,000 | 69,173,000 | 76,552,000 |
| Noninterest-bearing deposits | 5,060,000 | 6,187,000 | 6,576,000 | 7,403,000 |
| Equity capital | 7,248,000 | 7,322,000 | 7,554,000 | 7,467,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Interest income | 1,584,000 | 3,238,000 | 4,959,000 | 6,741,000 |
| Interest expense | 848,000 | 1,702,000 | 2,607,000 | 3,552,000 |
| Net interest income | 736,000 | 1,536,000 | 2,352,000 | 3,189,000 |
| Noninterest income | 237,000 | 504,000 | 804,000 | 1,097,000 |
| Noninterest expense | 748,000 | 1,538,000 | 2,380,000 | 3,297,000 |
| Provision for loan losses | 72,000 | 170,000 | 215,000 | 371,000 |
| Pretax income | 153,000 | 332,000 | 561,000 | 618,000 |
| Income tax | 60,000 | 128,000 | 211,000 | 204,000 |
| Net income | 93,000 | 204,000 | 350,000 | 414,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,126,000 | 7,237,000 | 7,383,000 | 7,446,000 |
| Total capital | 7,772,000 | 7,929,000 | 8,111,000 | 8,322,000 |
| Risk-weighted assets | 56,648,000 | 62,639,000 | 68,753,000 | 76,830,000 |