Call reports 2004
HOME TOWN BANK OF VILLA RICA — 2004
What HOME TOWN BANK OF VILLA RICA 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 | 170,300,000 | 179,636,000 | 183,911,000 | 193,002,000 |
| Total loans | 134,083,000 | 144,152,000 | 147,186,000 | 159,301,000 |
| Allowance for loan losses | 1,930,000 | 1,860,000 | 1,900,000 | 1,920,000 |
| Securities available for sale | 11,923,000 | 15,936,000 | 18,223,000 | 17,430,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 144,479,000 | 154,163,000 | 154,036,000 | 151,610,000 |
| Interest-bearing deposits | 136,259,000 | 142,886,000 | 143,953,000 | 140,294,000 |
| Noninterest-bearing deposits | 8,220,000 | 11,277,000 | 10,083,000 | 11,316,000 |
| Equity capital | 21,061,000 | 21,753,000 | 22,429,000 | 24,254,000 |
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 | 2,136,000 | 4,367,000 | 6,793,000 | 9,346,000 |
| Interest expense | 691,000 | 1,424,000 | 2,195,000 | 3,194,000 |
| Net interest income | 1,445,000 | 2,943,000 | 4,598,000 | 6,152,000 |
| Noninterest income | 331,000 | 676,000 | 990,000 | 1,319,000 |
| Noninterest expense | 1,150,000 | 2,327,000 | 3,489,000 | 4,679,000 |
| Provision for loan losses | 45,000 | 90,000 | 135,000 | 180,000 |
| Pretax income | 596,000 | 1,218,000 | 1,980,000 | 2,628,000 |
| Income tax | 137,000 | 337,000 | 603,000 | 849,000 |
| Net income | 459,000 | 881,000 | 1,377,000 | 1,779,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,121,000 | 13,058,000 | 13,571,000 | 15,489,000 |
| Total capital | 13,829,000 | 14,886,000 | 15,442,000 | 17,409,000 |
| Risk-weighted assets | 136,396,000 | 146,200,000 | 149,656,000 | 155,668,000 |