Call reports 2020
HOMETOWN SAVINGS BANK, THE — 2020
What HOMETOWN SAVINGS BANK, THE reported to the FFIEC in 2020, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Total assets | 346,972,000 | 410,595,000 | 420,619,000 | 457,669,000 |
| Total loans | 226,907,000 | 238,443,000 | 242,623,000 | 228,382,000 |
| Allowance for loan losses | 2,934,000 | 3,048,000 | 3,150,000 | 3,264,000 |
| Securities available for sale | 78,614,000 | 79,854,000 | 85,998,000 | 93,058,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 267,823,000 | 319,756,000 | 329,129,000 | 371,376,000 |
| Interest-bearing deposits | 220,892,000 | 264,104,000 | 274,813,000 | 313,243,000 |
| Noninterest-bearing deposits | 46,931,000 | 55,652,000 | 54,316,000 | 58,133,000 |
| Equity capital | 34,837,000 | 35,625,000 | 36,180,000 | 37,016,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Interest income | 3,264,000 | 6,366,000 | 9,493,000 | 12,708,000 |
| Interest expense | 702,000 | 1,352,000 | 2,001,000 | 2,608,000 |
| Net interest income | 2,562,000 | 5,014,000 | 7,492,000 | 10,100,000 |
| Noninterest income | 875,000 | 1,741,000 | 2,929,000 | 4,075,000 |
| Noninterest expense | 3,022,000 | 5,986,000 | 9,027,000 | 12,097,000 |
| Provision for loan losses | 60,000 | 180,000 | 300,000 | 420,000 |
| Pretax income | 354,000 | 588,000 | 1,093,000 | 1,657,000 |
| Income tax | 16,000 | 4,000 | 45,000 | 70,000 |
| Net income | 338,000 | 584,000 | 1,048,000 | 1,587,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Tier 1 capital | 32,222,000 | 32,467,000 | 32,931,000 | 33,470,000 |
| Total capital | 35,156,000 | 35,515,000 | 36,081,000 | 36,734,000 |
| Risk-weighted assets | 247,598,000 | 259,482,000 | 265,314,000 | 267,513,000 |