Call reports 2007
HOME TOWN BANK OF VILLA RICA — 2007
What HOME TOWN BANK OF VILLA RICA reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 276,058,000 | 259,870,000 | 246,593,000 | 234,957,000 |
| Total loans | 221,527,000 | 194,706,000 | 181,419,000 | 161,452,000 |
| Allowance for loan losses | 9,143,000 | 8,358,000 | 10,523,000 | 6,474,000 |
| Securities available for sale | 26,816,000 | 28,885,000 | 28,593,000 | 29,532,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 227,081,000 | 217,795,000 | 206,909,000 | 194,598,000 |
| Interest-bearing deposits | 215,635,000 | 207,203,000 | 197,135,000 | 185,707,000 |
| Noninterest-bearing deposits | 11,445,000 | 10,592,000 | 9,774,000 | 8,891,000 |
| Equity capital | 28,146,000 | 27,742,000 | 25,298,000 | 25,023,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 4,626,000 | 8,767,000 | 12,361,000 | 15,629,000 |
| Interest expense | 2,772,000 | 5,466,000 | 8,069,000 | 10,474,000 |
| Net interest income | 1,854,000 | 3,301,000 | 4,292,000 | 5,155,000 |
| Noninterest income | 247,000 | 154,000 | 68,000 | 74,000 |
| Noninterest expense | 1,459,000 | 2,874,000 | 4,427,000 | 5,869,000 |
| Provision for loan losses | 231,000 | 462,000 | 4,214,000 | 6,465,000 |
| Pretax income | 411,000 | 119,000 | -4,281,000 | -7,105,000 |
| Income tax | 140,000 | 5,000 | -1,721,000 | -2,773,000 |
| Net income | 271,000 | 114,000 | -2,560,000 | -4,332,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 19,639,000 | 19,497,000 | 16,839,000 | 16,465,000 |
| Total capital | 22,416,000 | 22,090,000 | 19,349,000 | 18,727,000 |
| Risk-weighted assets | 215,800,000 | 201,647,000 | 192,750,000 | 176,787,000 |