Call reports 2010
HOMETOWN BANK — 2010
What HOMETOWN BANK reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 202,121,000 | 187,408,000 | 179,792,000 | 189,005,000 |
| Total loans | 147,941,000 | 148,130,000 | 155,981,000 | 161,707,000 |
| Allowance for loan losses | 3,034,000 | 3,088,000 | 3,120,000 | 3,314,000 |
| Securities available for sale | 80,000 | 74,000 | 72,000 | 66,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 170,241,000 | 156,310,000 | 147,990,000 | 157,279,000 |
| Interest-bearing deposits | 139,060,000 | 124,897,000 | 116,000,000 | 116,273,000 |
| Noninterest-bearing deposits | 31,181,000 | 31,413,000 | 31,990,000 | 41,006,000 |
| Equity capital | 23,329,000 | 23,645,000 | 23,990,000 | 24,472,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 2,131,000 | 4,257,000 | 6,457,000 | 8,656,000 |
| Interest expense | 670,000 | 1,241,000 | 1,778,000 | 2,275,000 |
| Net interest income | 1,461,000 | 3,016,000 | 4,679,000 | 6,381,000 |
| Noninterest income | 392,000 | 750,000 | 1,323,000 | 1,943,000 |
| Noninterest expense | 1,244,000 | 2,483,000 | 3,869,000 | 5,238,000 |
| Provision for loan losses | 150,000 | 300,000 | 575,000 | 800,000 |
| Pretax income | 459,000 | 983,000 | 1,558,000 | 2,296,000 |
| Income tax | 184,000 | 393,000 | 623,000 | 878,000 |
| Net income | 275,000 | 590,000 | 935,000 | 1,418,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 21,433,000 | 21,748,000 | 22,093,000 | 24,211,000 |
| Total capital | 23,287,000 | 23,613,000 | 24,025,000 | 26,179,000 |
| Risk-weighted assets | 147,176,000 | 147,972,000 | 153,432,000 | 156,257,000 |