Call reports 2007
HOMETOWN BANK — 2007
What HOMETOWN BANK reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 167,040,000 | 184,004,000 | 198,873,000 | 206,035,000 |
| Total loans | 131,710,000 | 142,224,000 | 158,099,000 | 159,940,000 |
| Allowance for loan losses | 1,502,000 | 1,612,000 | 1,731,000 | 1,921,000 |
| Securities available for sale | 11,690,000 | 21,802,000 | 23,244,000 | 22,498,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 139,459,000 | 155,529,000 | 170,403,000 | 176,902,000 |
| Interest-bearing deposits | 110,240,000 | 128,057,000 | 139,408,000 | 144,363,000 |
| Noninterest-bearing deposits | 29,219,000 | 27,472,000 | 30,995,000 | 32,539,000 |
| Equity capital | 21,522,000 | 21,790,000 | 21,812,000 | 22,146,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 2,820,000 | 5,913,000 | 9,337,000 | 12,770,000 |
| Interest expense | 1,114,000 | 2,453,000 | 4,006,000 | 5,604,000 |
| Net interest income | 1,706,000 | 3,460,000 | 5,331,000 | 7,166,000 |
| Noninterest income | 327,000 | 700,000 | 1,051,000 | 1,716,000 |
| Noninterest expense | 1,272,000 | 2,692,000 | 4,099,000 | 5,568,000 |
| Provision for loan losses | 120,000 | 240,000 | 360,000 | 560,000 |
| Pretax income | 642,000 | 1,229,000 | 1,924,000 | 2,755,000 |
| Income tax | 226,000 | 426,000 | 640,000 | 868,000 |
| Net income | 416,000 | 803,000 | 1,284,000 | 1,887,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 20,077,000 | 20,463,000 | 20,945,000 | 21,548,000 |
| Total capital | 21,579,000 | 22,075,000 | 22,676,000 | 23,469,000 |
| Risk-weighted assets | 163,171,000 | 182,621,000 | 201,126,000 | 192,260,000 |