Call reports 2015
HOMETOWN BANK OF ALABAMA, THE — 2015
What HOMETOWN BANK OF ALABAMA, THE reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 316,835,000 | 320,054,000 | 321,713,000 | 329,137,000 |
| Total loans | 195,684,000 | 198,877,000 | 203,496,000 | 207,433,000 |
| Allowance for loan losses | 2,129,000 | 2,159,000 | 2,174,000 | 2,231,000 |
| Securities available for sale | 91,276,000 | 89,912,000 | 89,063,000 | 90,227,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 266,136,000 | 269,905,000 | 269,438,000 | 275,036,000 |
| Interest-bearing deposits | 231,397,000 | 234,465,000 | 233,236,000 | 237,223,000 |
| Noninterest-bearing deposits | 34,739,000 | 35,440,000 | 36,202,000 | 37,813,000 |
| Equity capital | 39,109,000 | 38,958,000 | 40,907,000 | 42,832,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 3,602,000 | 7,321,000 | 11,262,000 | 15,154,000 |
| Interest expense | 441,000 | 879,000 | 1,318,000 | 1,753,000 |
| Net interest income | 3,161,000 | 6,442,000 | 9,944,000 | 13,401,000 |
| Noninterest income | 924,000 | 1,997,000 | 3,024,000 | 4,056,000 |
| Noninterest expense | 2,408,000 | 4,695,000 | 7,213,000 | 9,669,000 |
| Provision for loan losses | 310,000 | 360,000 | 360,000 | 432,000 |
| Pretax income | 1,726,000 | 3,737,000 | 5,770,000 | 7,688,000 |
| Income tax | 567,000 | 1,211,000 | 1,831,000 | 2,446,000 |
| Net income | 1,159,000 | 2,526,000 | 3,939,000 | 5,242,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 39,836,000 | 38,456,000 | 41,271,000 | 43,945,000 |
| Total capital | 41,965,000 | 40,615,000 | 43,445,000 | 46,176,000 |
| Risk-weighted assets | 190,678,000 | 193,351,000 | 204,815,000 | 208,441,000 |