Call reports 2005
HOME TOWN BANK OF VILLA RICA — 2005
What HOME TOWN BANK OF VILLA RICA reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 206,339,000 | 227,982,000 | 238,121,000 | 238,582,000 |
| Total loans | 172,244,000 | 189,818,000 | 190,411,000 | 201,495,000 |
| Allowance for loan losses | 1,956,000 | 3,880,000 | 1,230,000 | 1,329,000 |
| Securities available for sale | 16,571,000 | 16,597,000 | 17,913,000 | 17,241,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 161,970,000 | 186,144,000 | 193,740,000 | 192,208,000 |
| Interest-bearing deposits | 149,735,000 | 171,415,000 | 178,569,000 | 179,383,000 |
| Noninterest-bearing deposits | 12,235,000 | 14,729,000 | 15,171,000 | 12,826,000 |
| Equity capital | 24,377,000 | 24,441,000 | 26,958,000 | 27,481,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 2,984,000 | 6,333,000 | 10,071,000 | 14,119,000 |
| Interest expense | 1,182,000 | 2,656,000 | 4,380,000 | 6,236,000 |
| Net interest income | 1,802,000 | 3,677,000 | 5,691,000 | 7,883,000 |
| Noninterest income | 283,000 | 584,000 | 893,000 | 1,188,000 |
| Noninterest expense | 1,275,000 | 2,595,000 | 3,944,000 | 5,229,000 |
| Provision for loan losses | 68,000 | 3,118,000 | 3,185,000 | 3,365,000 |
| Pretax income | 742,000 | -1,452,000 | -545,000 | 477,000 |
| Income tax | 269,000 | -568,000 | -235,000 | 135,000 |
| Net income | 473,000 | -884,000 | -310,000 | 342,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 15,778,000 | 15,736,000 | 18,333,000 | 19,002,000 |
| Total capital | 17,734,000 | 18,001,000 | 19,563,000 | 20,331,000 |
| Risk-weighted assets | 166,714,000 | 179,566,000 | 182,986,000 | 191,929,000 |