Call reports 2003
HOMETOWN BANK — 2003
What HOMETOWN BANK reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 87,744,000 | 91,031,000 | 98,474,000 | 97,990,000 |
| Total loans | 59,241,000 | 64,813,000 | 64,726,000 | 72,009,000 |
| Allowance for loan losses | 1,152,000 | 1,160,000 | 1,160,000 | 1,155,000 |
| Securities available for sale | 831,000 | 934,000 | 2,036,000 | 2,807,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 77,112,000 | 79,965,000 | 87,257,000 | 86,647,000 |
| Interest-bearing deposits | 61,259,000 | 58,691,000 | 63,393,000 | 64,366,000 |
| Noninterest-bearing deposits | 15,853,000 | 21,274,000 | 23,864,000 | 22,281,000 |
| Equity capital | 10,174,000 | 10,345,000 | 10,521,000 | 10,677,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 1,002,000 | 1,985,000 | 2,960,000 | 4,025,000 |
| Interest expense | 290,000 | 550,000 | 754,000 | 951,000 |
| Net interest income | 712,000 | 1,435,000 | 2,206,000 | 3,074,000 |
| Noninterest income | 383,000 | 1,246,000 | 1,944,000 | 2,519,000 |
| Noninterest expense | 982,000 | 2,296,000 | 3,493,000 | 4,693,000 |
| Provision for loan losses | 0 | 0 | 0 | 15,000 |
| Pretax income | 113,000 | 390,000 | 662,000 | 897,000 |
| Income tax | 33,000 | 133,000 | 225,000 | 301,000 |
| Net income | 80,000 | 257,000 | 437,000 | 596,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,655,000 | 8,832,000 | 9,012,000 | 9,169,000 |
| Total capital | 9,499,000 | 9,719,000 | 9,905,000 | 10,088,000 |
| Risk-weighted assets | 67,187,000 | 70,697,000 | 71,204,000 | 73,313,000 |