Call reports 2025
HOMETOWN COMMUNITY BANK — 2025
What HOMETOWN COMMUNITY BANK reported to the FFIEC in 2025, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Total assets | 93,969,000 | 98,201,000 | 99,599,000 | 105,034,000 |
| Total loans | 78,851,000 | 83,784,000 | 84,033,000 | 87,747,000 |
| Allowance for loan losses | 907,000 | 952,000 | 997,000 | 974,000 |
| Securities available for sale | 7,881,000 | 8,618,000 | 9,382,000 | 10,388,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 84,007,000 | 85,759,000 | 84,778,000 | 94,392,000 |
| Interest-bearing deposits | 68,859,000 | 69,722,000 | 68,366,000 | 77,210,000 |
| Noninterest-bearing deposits | 15,148,000 | 16,037,000 | 16,412,000 | 17,182,000 |
| Equity capital | 8,270,000 | 8,405,000 | 8,664,000 | 8,927,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Interest income | 1,250,000 | 2,544,000 | 3,895,000 | 5,342,000 |
| Interest expense | 522,000 | 1,055,000 | 1,575,000 | 2,112,000 |
| Net interest income | 728,000 | 1,489,000 | 2,320,000 | 3,230,000 |
| Noninterest income | 16,000 | 38,000 | 61,000 | 100,000 |
| Noninterest expense | 429,000 | 866,000 | 1,328,000 | 1,851,000 |
| Provision for loan losses | 45,000 | 90,000 | 135,000 | 150,000 |
| Pretax income | 270,000 | 571,000 | 918,000 | 1,329,000 |
| Income tax | 16,000 | 38,000 | 59,000 | 80,000 |
| Net income | 254,000 | 533,000 | 859,000 | 1,249,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,310,000 | 8,355,000 | 8,549,000 | 8,751,000 |