Call reports 2006
HOME TOWN BANK OF VILLA RICA — 2006
What HOME TOWN BANK OF VILLA RICA reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 247,327,000 | 259,018,000 | 272,512,000 | 268,095,000 |
| Total loans | 203,218,000 | 214,392,000 | 222,476,000 | 221,578,000 |
| Allowance for loan losses | 1,523,000 | 1,626,000 | 2,053,000 | 9,243,000 |
| Securities available for sale | 16,952,000 | 16,397,000 | 19,201,000 | 20,969,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 203,719,000 | 213,911,000 | 226,449,000 | 227,485,000 |
| Interest-bearing deposits | 190,483,000 | 201,807,000 | 211,988,000 | 216,708,000 |
| Noninterest-bearing deposits | 13,236,000 | 12,104,000 | 14,461,000 | 10,777,000 |
| Equity capital | 28,024,000 | 28,485,000 | 28,971,000 | 23,777,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 4,215,000 | 8,774,000 | 13,662,000 | 18,575,000 |
| Interest expense | 1,994,000 | 4,219,000 | 6,777,000 | 9,587,000 |
| Net interest income | 2,221,000 | 4,555,000 | 6,885,000 | 8,988,000 |
| Noninterest income | 276,000 | 558,000 | 749,000 | 1,009,000 |
| Noninterest expense | 1,347,000 | 2,705,000 | 4,074,000 | 5,455,000 |
| Provision for loan losses | 190,000 | 379,000 | 1,007,000 | 10,591,000 |
| Pretax income | 960,000 | 2,029,000 | 2,553,000 | -6,049,000 |
| Income tax | 357,000 | 756,000 | 943,000 | -2,422,000 |
| Net income | 603,000 | 1,273,000 | 1,610,000 | -3,627,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 19,578,000 | 20,137,000 | 20,489,000 | 15,269,000 |
| Total capital | 21,101,000 | 21,763,000 | 22,542,000 | 17,983,000 |
| Risk-weighted assets | 197,557,000 | 208,447,000 | 215,187,000 | 210,578,000 |