Call reports 2013
HOMETOWN SAVINGS BANK, THE — 2013
What HOMETOWN SAVINGS BANK, THE 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 | 299,903,000 | 299,077,000 | 296,737,000 | 304,883,000 |
| Total loans | 188,229,000 | 187,350,000 | 190,974,000 | 188,799,000 |
| Allowance for loan losses | 2,746,000 | 2,860,000 | 3,043,000 | 3,119,000 |
| Securities available for sale | 85,084,000 | 79,255,000 | 79,441,000 | 86,565,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 251,989,000 | 253,725,000 | 250,816,000 | 258,000,000 |
| Interest-bearing deposits | 228,863,000 | 231,016,000 | 226,009,000 | 233,484,000 |
| Noninterest-bearing deposits | 23,126,000 | 22,709,000 | 24,807,000 | 24,516,000 |
| Equity capital | 27,075,000 | 26,093,000 | 25,973,000 | 25,584,000 |
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 | 2,604,000 | 5,134,000 | 7,710,000 | 10,245,000 |
| Interest expense | 468,000 | 860,000 | 1,224,000 | 1,570,000 |
| Net interest income | 2,136,000 | 4,274,000 | 6,486,000 | 8,675,000 |
| Noninterest income | 662,000 | 1,198,000 | 1,720,000 | 2,313,000 |
| Noninterest expense | 2,462,000 | 4,959,000 | 7,498,000 | 10,073,000 |
| Provision for loan losses | 150,000 | 300,000 | 450,000 | 540,000 |
| Pretax income | 186,000 | 394,000 | 761,000 | 975,000 |
| Income tax | 40,000 | 76,000 | 178,000 | 276,000 |
| Net income | 146,000 | 318,000 | 583,000 | 699,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 25,770,000 | 25,942,000 | 26,206,000 | 26,323,000 |
| Total capital | 28,034,000 | 28,222,000 | 28,508,000 | 28,639,000 |
| Risk-weighted assets | 180,549,000 | 181,678,000 | 183,283,000 | 184,473,000 |
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