Call reports 2003
HOME TOWN BANK OF VILLA RICA — 2003
What HOME TOWN BANK OF VILLA RICA reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 146,444,000 | 151,041,000 | 155,421,000 | 162,448,000 |
| Total loans | 104,152,000 | 114,358,000 | 119,716,000 | 131,878,000 |
| Allowance for loan losses | 1,537,000 | 1,513,000 | 2,155,000 | 1,910,000 |
| Securities available for sale | 15,832,000 | 13,315,000 | 14,159,000 | 13,531,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 121,749,000 | 126,621,000 | 131,174,000 | 137,650,000 |
| Interest-bearing deposits | 113,531,000 | 117,985,000 | 122,978,000 | 128,349,000 |
| Noninterest-bearing deposits | 8,218,000 | 8,636,000 | 8,196,000 | 9,301,000 |
| Equity capital | 19,401,000 | 19,995,000 | 19,904,000 | 20,544,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 1,877,000 | 3,895,000 | 5,923,000 | 8,169,000 |
| Interest expense | 632,000 | 1,268,000 | 1,903,000 | 2,558,000 |
| Net interest income | 1,245,000 | 2,627,000 | 4,020,000 | 5,611,000 |
| Noninterest income | 186,000 | 470,000 | 756,000 | 995,000 |
| Noninterest expense | 1,045,000 | 2,155,000 | 3,239,000 | 4,373,000 |
| Provision for loan losses | 0 | 0 | 679,000 | 679,000 |
| Pretax income | 389,000 | 945,000 | 861,000 | 1,557,000 |
| Income tax | 0 | 0 | 0 | 54,000 |
| Net income | 389,000 | 945,000 | 861,000 | 1,503,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,485,000 | 11,057,000 | 10,990,000 | 11,646,000 |
| Total capital | 11,847,000 | 12,464,000 | 12,467,000 | 13,306,000 |
| Risk-weighted assets | 108,769,000 | 112,441,000 | 117,444,000 | 132,533,000 |