Call reports 2016
HOMETOWN SAVINGS BANK, THE — 2016
What HOMETOWN SAVINGS BANK, THE reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 319,644,000 | 320,607,000 | 319,503,000 | 334,444,000 |
| Total loans | 213,717,000 | 210,098,000 | 211,027,000 | 216,076,000 |
| Allowance for loan losses | 3,009,000 | 2,975,000 | 3,080,000 | 2,996,000 |
| Securities available for sale | 80,011,000 | 80,004,000 | 82,827,000 | 80,104,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 257,145,000 | 261,240,000 | 256,812,000 | 272,348,000 |
| Interest-bearing deposits | 223,038,000 | 228,167,000 | 223,282,000 | 238,588,000 |
| Noninterest-bearing deposits | 34,107,000 | 33,073,000 | 33,530,000 | 33,760,000 |
| Equity capital | 29,258,000 | 29,972,000 | 30,059,000 | 28,555,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 2,740,000 | 5,484,000 | 8,268,000 | 11,072,000 |
| Interest expense | 320,000 | 648,000 | 968,000 | 1,331,000 |
| Net interest income | 2,420,000 | 4,836,000 | 7,300,000 | 9,741,000 |
| Noninterest income | 606,000 | 1,347,000 | 2,020,000 | 2,821,000 |
| Noninterest expense | 2,615,000 | 5,306,000 | 7,942,000 | 10,655,000 |
| Provision for loan losses | 60,000 | 120,000 | 210,000 | 300,000 |
| Pretax income | 353,000 | 759,000 | 1,170,000 | 1,609,000 |
| Income tax | 58,000 | 128,000 | 164,000 | 225,000 |
| Net income | 295,000 | 631,000 | 1,006,000 | 1,384,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 28,003,000 | 28,089,000 | 28,464,000 | 28,843,000 |
| Total capital | 30,553,000 | 30,645,000 | 31,190,000 | 31,650,000 |
| Risk-weighted assets | 203,520,000 | 204,085,000 | 217,708,000 | 224,350,000 |