Call reports 2008
HOME TOWN BANK OF VILLA RICA — 2008
What HOME TOWN BANK OF VILLA RICA reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 |
|---|---|---|
| Total assets | 219,935,000 | 224,540,000 |
| Total loans | 141,947,000 | 101,860,000 |
| Allowance for loan losses | 6,983,000 | 22,200,000 |
| Securities available for sale | 28,131,000 | 15,420,000 |
| Securities held to maturity | 0 | 0 |
| Trading assets | 0 | 102,000 |
| Total deposits | 189,981,000 | 184,516,000 |
| Interest-bearing deposits | 181,781,000 | 176,208,000 |
| Noninterest-bearing deposits | 8,200,000 | 8,308,000 |
| Equity capital | 23,787,000 | 35,591,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 |
|---|---|---|
| Interest income | 2,605,000 | 853,000 |
| Interest expense | 2,208,000 | 1,042,000 |
| Net interest income | 397,000 | -189,000 |
| Noninterest income | 36,000 | -10,000 |
| Noninterest expense | 1,455,000 | 914,000 |
| Provision for loan losses | 2,818,000 | 165,000 |
| Pretax income | -3,802,000 | -1,278,000 |
| Income tax | -1,450,000 | -462,000 |
| Net income | -2,352,000 | -816,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 |
|---|---|---|
| Tier 1 capital | 15,029,000 | 11,044,000 |
| Total capital | 17,114,000 | 12,868,000 |
| Risk-weighted assets | 161,931,000 | 125,509,000 |