Call reports 2006
HOMETOWN BANK — 2006
What HOMETOWN BANK reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 115,654,000 | 120,358,000 | 122,735,000 | 148,576,000 |
| Total loans | 93,638,000 | 97,485,000 | 98,901,000 | 115,915,000 |
| Allowance for loan losses | 1,166,000 | 1,266,000 | 1,294,000 | 1,393,000 |
| Securities available for sale | 5,550,000 | 5,979,000 | 5,966,000 | 5,935,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 102,697,000 | 105,057,000 | 107,025,000 | 126,378,000 |
| Interest-bearing deposits | 72,893,000 | 75,362,000 | 80,517,000 | 96,376,000 |
| Noninterest-bearing deposits | 29,804,000 | 29,695,000 | 26,508,000 | 30,002,000 |
| Equity capital | 12,229,000 | 14,530,000 | 14,769,000 | 21,112,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 1,921,000 | 3,934,000 | 6,082,000 | 8,550,000 |
| Interest expense | 600,000 | 1,273,000 | 2,036,000 | 2,915,000 |
| Net interest income | 1,321,000 | 2,661,000 | 4,046,000 | 5,635,000 |
| Noninterest income | 464,000 | 1,056,000 | 1,459,000 | 1,807,000 |
| Noninterest expense | 1,319,000 | 2,692,000 | 4,010,000 | 5,328,000 |
| Provision for loan losses | 97,000 | 196,000 | 295,000 | 394,000 |
| Pretax income | 361,000 | 822,000 | 1,195,000 | 1,715,000 |
| Income tax | 123,000 | 279,000 | 411,000 | 594,000 |
| Net income | 238,000 | 543,000 | 784,000 | 1,121,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,461,000 | 13,082,000 | 13,324,000 | 19,661,000 |
| Total capital | 11,627,000 | 14,348,000 | 14,618,000 | 21,054,000 |
| Risk-weighted assets | 113,266,000 | 118,744,000 | 121,822,000 | 140,397,000 |