Call reports 2012
HOMETOWN SAVINGS BANK, THE — 2012
What HOMETOWN SAVINGS BANK, THE reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 307,148,000 | 312,890,000 | 299,489,000 | 299,352,000 |
| Total loans | 194,327,000 | 194,512,000 | 195,355,000 | 192,261,000 |
| Allowance for loan losses | 2,920,000 | 2,746,000 | 2,653,000 | 2,646,000 |
| Securities available for sale | 68,807,000 | 70,167,000 | 68,543,000 | 62,209,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 243,672,000 | 249,076,000 | 245,029,000 | 244,867,000 |
| Interest-bearing deposits | 218,386,000 | 228,972,000 | 221,108,000 | 221,639,000 |
| Noninterest-bearing deposits | 25,286,000 | 20,104,000 | 23,921,000 | 23,228,000 |
| Equity capital | 26,479,000 | 26,775,000 | 27,161,000 | 27,112,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 2,866,000 | 5,685,000 | 8,483,000 | 11,227,000 |
| Interest expense | 780,000 | 1,491,000 | 2,135,000 | 2,656,000 |
| Net interest income | 2,086,000 | 4,194,000 | 6,348,000 | 8,571,000 |
| Noninterest income | 472,000 | 1,088,000 | 1,718,000 | 2,441,000 |
| Noninterest expense | 2,194,000 | 4,449,000 | 6,729,000 | 9,213,000 |
| Provision for loan losses | 200,000 | 350,000 | 500,000 | 650,000 |
| Pretax income | 164,000 | 497,000 | 851,000 | 1,172,000 |
| Income tax | 38,000 | 122,000 | 225,000 | 327,000 |
| Net income | 126,000 | 375,000 | 626,000 | 845,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 24,904,000 | 25,153,000 | 25,405,000 | 25,624,000 |
| Total capital | 27,204,000 | 27,473,000 | 27,706,000 | 27,915,000 |
| Risk-weighted assets | 183,170,000 | 185,072,000 | 183,713,000 | 182,813,000 |