Call reports 2008
HOMETOWN BANK — 2008
What HOMETOWN BANK reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 195,489,000 | 198,108,000 | 218,430,000 | 217,814,000 |
| Total loans | 156,256,000 | 157,199,000 | 165,287,000 | 166,965,000 |
| Allowance for loan losses | 2,099,000 | 2,249,000 | 2,333,000 | 2,480,000 |
| Securities available for sale | 21,940,000 | 21,395,000 | 18,735,000 | 17,350,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 165,811,000 | 168,216,000 | 186,650,000 | 185,169,000 |
| Interest-bearing deposits | 137,736,000 | 136,699,000 | 157,097,000 | 153,905,000 |
| Noninterest-bearing deposits | 28,075,000 | 31,517,000 | 29,553,000 | 31,264,000 |
| Equity capital | 22,956,000 | 23,065,000 | 25,580,000 | 24,752,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 3,194,000 | 5,950,000 | 8,828,000 | 11,679,000 |
| Interest expense | 1,413,000 | 2,515,000 | 3,573,000 | 4,638,000 |
| Net interest income | 1,781,000 | 3,435,000 | 5,255,000 | 7,041,000 |
| Noninterest income | 387,000 | 722,000 | 1,037,000 | 1,384,000 |
| Noninterest expense | 1,461,000 | 2,888,000 | 4,268,000 | 5,650,000 |
| Provision for loan losses | 150,000 | 300,000 | 653,000 | 803,000 |
| Pretax income | 557,000 | 969,000 | -1,657,000 | -2,008,000 |
| Income tax | 199,000 | 346,000 | -539,000 | -331,000 |
| Net income | 358,000 | 623,000 | -1,118,000 | -1,677,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 22,906,000 | 23,171,000 | 24,959,000 | 24,361,000 |
| Total capital | 25,005,000 | 25,420,000 | 27,292,000 | 26,841,000 |
| Risk-weighted assets | 188,360,000 | 187,068,000 | 199,825,000 | 203,786,000 |