Call reports 2016
HOMETOWN BANK OF ALABAMA, THE — 2016
What HOMETOWN BANK OF ALABAMA, 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 | 338,035,000 | 333,363,000 | 333,727,000 | 341,091,000 |
| Total loans | 207,522,000 | 214,143,000 | 218,072,000 | 220,052,000 |
| Allowance for loan losses | 2,161,000 | 2,016,000 | 2,020,000 | 1,883,000 |
| Securities available for sale | 78,788,000 | 91,071,000 | 84,401,000 | 81,200,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 283,280,000 | 277,995,000 | 277,644,000 | 285,371,000 |
| Interest-bearing deposits | 242,863,000 | 239,662,000 | 238,367,000 | 244,768,000 |
| Noninterest-bearing deposits | 40,417,000 | 38,333,000 | 39,277,000 | 40,603,000 |
| Equity capital | 43,644,000 | 44,390,000 | 45,188,000 | 44,479,000 |
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 | 3,812,000 | 7,683,000 | 11,622,000 | 15,576,000 |
| Interest expense | 438,000 | 824,000 | 1,193,000 | 1,550,000 |
| Net interest income | 3,374,000 | 6,859,000 | 10,429,000 | 14,026,000 |
| Noninterest income | 1,034,000 | 2,080,000 | 2,872,000 | 4,187,000 |
| Noninterest expense | 2,368,000 | 4,993,000 | 7,937,000 | 10,085,000 |
| Provision for loan losses | 0 | 0 | 50,000 | 50,000 |
| Pretax income | 2,274,000 | 4,183,000 | 5,737,000 | 8,537,000 |
| Income tax | 795,000 | 1,416,000 | 1,909,000 | 2,817,000 |
| Net income | 1,479,000 | 2,767,000 | 3,828,000 | 5,720,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 44,826,000 | 46,694,000 | 47,070,000 | 45,186,000 |
| Total capital | 46,987,000 | 48,710,000 | 49,090,000 | 47,069,000 |
| Risk-weighted assets | 209,639,000 | 211,150,000 | 214,768,000 | 217,073,000 |