Call reports 2014
HOMETOWN SAVINGS BANK, THE — 2014
What HOMETOWN SAVINGS BANK, THE reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 303,866,000 | 310,388,000 | 310,280,000 | 307,420,000 |
| Total loans | 190,412,000 | 195,180,000 | 193,508,000 | 190,498,000 |
| Allowance for loan losses | 3,049,000 | 3,154,000 | 2,994,000 | 3,073,000 |
| Securities available for sale | 85,727,000 | 85,138,000 | 84,800,000 | 82,660,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 256,609,000 | 257,447,000 | 256,185,000 | 257,910,000 |
| Interest-bearing deposits | 230,635,000 | 227,881,000 | 228,178,000 | 230,308,000 |
| Noninterest-bearing deposits | 25,974,000 | 29,566,000 | 28,007,000 | 27,602,000 |
| Equity capital | 26,118,000 | 26,897,000 | 26,893,000 | 27,333,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 2,562,000 | 5,147,000 | 7,758,000 | 10,356,000 |
| Interest expense | 325,000 | 647,000 | 975,000 | 1,294,000 |
| Net interest income | 2,237,000 | 4,500,000 | 6,783,000 | 9,062,000 |
| Noninterest income | 522,000 | 1,176,000 | 1,848,000 | 2,372,000 |
| Noninterest expense | 2,653,000 | 5,285,000 | 7,976,000 | 10,692,000 |
| Provision for loan losses | 90,000 | 180,000 | 270,000 | 360,000 |
| Pretax income | 130,000 | 402,000 | 587,000 | 598,000 |
| Income tax | 10,000 | 74,000 | 80,000 | 77,000 |
| Net income | 120,000 | 328,000 | 507,000 | 521,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 26,443,000 | 26,651,000 | 26,827,000 | 26,842,000 |
| Total capital | 28,764,000 | 29,018,000 | 29,209,000 | 29,162,000 |
| Risk-weighted assets | 184,964,000 | 188,607,000 | 189,926,000 | 184,886,000 |
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