Call reports 2009
HOMETOWN BANK — 2009
What HOMETOWN BANK reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 194,697,000 | 203,002,000 | 206,224,000 | 210,144,000 |
| Total loans | 160,596,000 | 157,417,000 | 156,785,000 | 153,273,000 |
| Allowance for loan losses | 2,493,000 | 2,580,000 | 2,761,000 | 3,414,000 |
| Securities available for sale | 5,240,000 | 5,767,000 | 5,645,000 | 83,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 168,858,000 | 175,739,000 | 174,872,000 | 178,543,000 |
| Interest-bearing deposits | 138,822,000 | 140,979,000 | 140,996,000 | 145,143,000 |
| Noninterest-bearing deposits | 30,036,000 | 34,760,000 | 33,876,000 | 33,400,000 |
| Equity capital | 18,180,000 | 19,492,000 | 23,196,000 | 23,054,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 2,562,000 | 5,034,000 | 7,408,000 | 9,800,000 |
| Interest expense | 808,000 | 1,585,000 | 2,334,000 | 3,057,000 |
| Net interest income | 1,754,000 | 3,449,000 | 5,074,000 | 6,743,000 |
| Noninterest income | 505,000 | 979,000 | 1,302,000 | 1,719,000 |
| Noninterest expense | 1,173,000 | 2,375,000 | 3,607,000 | 6,675,000 |
| Provision for loan losses | 150,000 | 300,000 | 450,000 | 1,200,000 |
| Pretax income | -12,584,000 | -11,767,000 | -11,201,000 | -11,236,000 |
| Income tax | -5,034,000 | -4,707,000 | -4,414,000 | -3,904,000 |
| Net income | -7,550,000 | -7,060,000 | -6,787,000 | -7,332,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,120,000 | 13,728,000 | 17,333,000 | 21,156,000 |
| Total capital | 14,607,000 | 16,166,000 | 19,780,000 | 23,141,000 |
| Risk-weighted assets | 198,926,000 | 194,870,000 | 195,411,000 | 157,348,000 |