Call reports 2013
HOMETOWN COMMUNITY BANK — 2013
What HOMETOWN COMMUNITY BANK reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 27,738,000 | 27,407,000 | 25,566,000 | 25,749,000 |
| Total loans | 14,238,000 | 14,299,000 | 15,009,000 | 15,768,000 |
| Allowance for loan losses | 255,000 | 255,000 | 253,000 | 243,000 |
| Securities available for sale | 5,319,000 | 6,665,000 | 6,453,000 | 5,911,000 |
| Securities held to maturity | 60,000 | 58,000 | 58,000 | 56,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 25,690,000 | 25,554,000 | 23,268,000 | 23,786,000 |
| Interest-bearing deposits | 19,664,000 | 19,462,000 | 18,679,000 | 18,838,000 |
| Noninterest-bearing deposits | 6,026,000 | 6,092,000 | 4,589,000 | 4,948,000 |
| Equity capital | 1,998,000 | 1,808,000 | 1,852,000 | 1,817,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 242,000 | 490,000 | 748,000 | 1,005,000 |
| Interest expense | 40,000 | 80,000 | 117,000 | 150,000 |
| Net interest income | 202,000 | 410,000 | 631,000 | 855,000 |
| Noninterest income | 3,000 | 13,000 | 9,000 | 24,000 |
| Noninterest expense | 188,000 | 370,000 | 553,000 | 751,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 17,000 | 53,000 | 87,000 | 126,000 |
| Income tax | 5,000 | 15,000 | 25,000 | 39,000 |
| Net income | 12,000 | 38,000 | 62,000 | 87,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 1,990,000 | 2,016,000 | 2,046,000 | 2,066,000 |
| Total capital | 2,183,000 | 2,208,000 | 2,235,000 | 2,288,000 |
| Risk-weighted assets | 15,385,000 | 15,271,000 | 16,659,000 | 17,750,000 |