Call reports 2002
HOMETOWN BANK — 2002
What HOMETOWN BANK reported to the FFIEC in 2002, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Total assets | 86,012,000 | 89,810,000 | 89,498,000 | 94,183,000 |
| Total loans | 59,636,000 | 61,181,000 | 59,023,000 | 59,101,000 |
| Allowance for loan losses | 1,093,000 | 1,116,000 | 1,200,000 | 1,158,000 |
| Securities available for sale | 2,164,000 | 1,675,000 | 499,000 | 827,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 75,961,000 | 79,638,000 | 79,150,000 | 83,529,000 |
| Interest-bearing deposits | 62,652,000 | 63,995,000 | 63,120,000 | 66,794,000 |
| Noninterest-bearing deposits | 13,309,000 | 15,643,000 | 16,030,000 | 16,735,000 |
| Equity capital | 9,500,000 | 9,681,000 | 9,853,000 | 10,089,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Interest income | 1,245,000 | 2,435,000 | 3,639,000 | 4,807,000 |
| Interest expense | 405,000 | 801,000 | 1,198,000 | 1,571,000 |
| Net interest income | 840,000 | 1,634,000 | 2,441,000 | 3,236,000 |
| Noninterest income | 298,000 | 555,000 | 1,040,000 | 1,580,000 |
| Noninterest expense | 915,000 | 1,773,000 | 2,687,000 | 3,671,000 |
| Provision for loan losses | 88,000 | 108,000 | 192,000 | 217,000 |
| Pretax income | 135,000 | 309,000 | 571,000 | 897,000 |
| Income tax | 62,000 | 101,000 | 188,000 | 282,000 |
| Net income | 73,000 | 208,000 | 383,000 | 615,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,033,000 | 8,169,000 | 8,344,000 | 8,575,000 |
| Total capital | 8,873,000 | 9,006,000 | 9,189,000 | 9,464,000 |
| Risk-weighted assets | 66,964,000 | 66,706,000 | 67,211,000 | 70,931,000 |