Call reports 2005
HOMETOWN BANK — 2005
What HOMETOWN BANK reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 103,730,000 | 112,804,000 | 113,682,000 | 114,511,000 |
| Total loans | 84,255,000 | 88,675,000 | 86,896,000 | 88,851,000 |
| Allowance for loan losses | 1,163,000 | 660,000 | 850,000 | 1,067,000 |
| Securities available for sale | 5,111,000 | 5,021,000 | 5,517,000 | 5,560,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 91,699,000 | 100,528,000 | 100,912,000 | 101,520,000 |
| Interest-bearing deposits | 65,429,000 | 71,570,000 | 71,872,000 | 70,742,000 |
| Noninterest-bearing deposits | 26,270,000 | 28,958,000 | 29,040,000 | 30,778,000 |
| Equity capital | 11,421,000 | 11,545,000 | 11,811,000 | 11,978,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 1,362,000 | 2,841,000 | 4,528,000 | 6,368,000 |
| Interest expense | 307,000 | 668,000 | 1,133,000 | 1,701,000 |
| Net interest income | 1,055,000 | 2,173,000 | 3,395,000 | 4,667,000 |
| Noninterest income | 452,000 | 948,000 | 1,506,000 | 1,984,000 |
| Noninterest expense | 1,272,000 | 2,517,000 | 3,734,000 | 5,011,000 |
| Provision for loan losses | 60,000 | 150,000 | 339,000 | 554,000 |
| Pretax income | 177,000 | 457,000 | 833,000 | 1,092,000 |
| Income tax | 60,000 | 155,000 | 283,000 | 378,000 |
| Net income | 117,000 | 302,000 | 550,000 | 714,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,943,000 | 10,128,000 | 10,067,000 | 10,228,000 |
| Total capital | 11,106,000 | 10,788,000 | 10,917,000 | 11,295,000 |
| Risk-weighted assets | 97,860,000 | 103,760,000 | 106,930,000 | 107,642,000 |