Call reports 2002
HOME TOWN BANK OF VILLA RICA — 2002
What HOME TOWN BANK OF VILLA RICA 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 | 108,885,000 | 109,236,000 | 119,879,000 | 139,510,000 |
| Total loans | 78,574,000 | 84,640,000 | 90,744,000 | 94,002,000 |
| Allowance for loan losses | 962,000 | 1,329,000 | 1,452,000 | 1,767,000 |
| Securities available for sale | 11,614,000 | 10,809,000 | 10,715,000 | 12,819,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 95,854,000 | 95,185,000 | 104,976,000 | 117,617,000 |
| Interest-bearing deposits | 87,469,000 | 87,247,000 | 95,984,000 | 108,499,000 |
| Noninterest-bearing deposits | 8,385,000 | 7,937,000 | 8,992,000 | 9,118,000 |
| Equity capital | 8,081,000 | 8,170,000 | 7,955,000 | 14,545,000 |
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 | 1,844,000 | 3,794,000 | 5,676,000 | 605,000 |
| Interest expense | 829,000 | 1,637,000 | 2,456,000 | 229,000 |
| Net interest income | 1,015,000 | 2,157,000 | 3,220,000 | 376,000 |
| Noninterest income | 202,000 | 317,000 | 481,000 | 63,000 |
| Noninterest expense | 1,049,000 | 2,093,000 | 3,165,000 | 263,000 |
| Provision for loan losses | 101,000 | 508,000 | 1,064,000 | 0 |
| Pretax income | 67,000 | -127,000 | -528,000 | 176,000 |
| Income tax | 27,000 | -48,000 | -206,000 | 27,000 |
| Net income | 40,000 | -79,000 | -322,000 | 149,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,136,000 | 8,017,000 | 7,774,000 | 5,584,000 |
| Total capital | 9,098,000 | 9,166,000 | 9,002,000 | 6,868,000 |
| Risk-weighted assets | 86,397,000 | 91,748,000 | 97,982,000 | 102,423,000 |