Call reports 2014
HOMETOWN BANK — 2014
What HOMETOWN BANK 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 | 410,747,000 | 417,361,000 | 417,913,000 | 428,209,000 |
| Total loans | 312,287,000 | 318,130,000 | 319,681,000 | 331,921,000 |
| Allowance for loan losses | 3,789,000 | 3,616,000 | 3,522,000 | 3,332,000 |
| Securities available for sale | 57,350,000 | 56,022,000 | 56,662,000 | 54,603,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 349,765,000 | 349,296,000 | 352,111,000 | 363,002,000 |
| Interest-bearing deposits | 303,757,000 | 305,133,000 | 304,298,000 | 311,369,000 |
| Noninterest-bearing deposits | 46,008,000 | 44,163,000 | 47,813,000 | 51,633,000 |
| Equity capital | 39,543,000 | 40,693,000 | 41,613,000 | 42,818,000 |
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 | 4,093,000 | 8,269,000 | 12,501,000 | 16,798,000 |
| Interest expense | 534,000 | 1,074,000 | 1,594,000 | 2,118,000 |
| Net interest income | 3,559,000 | 7,195,000 | 10,907,000 | 14,680,000 |
| Noninterest income | 320,000 | 684,000 | 1,153,000 | 1,650,000 |
| Noninterest expense | 2,621,000 | 5,317,000 | 8,351,000 | 11,312,000 |
| Provision for loan losses | 70,000 | 202,000 | 202,000 | 0 |
| Pretax income | 1,188,000 | 2,468,000 | 3,615,000 | 5,146,000 |
| Income tax | 370,000 | 772,000 | 1,125,000 | 1,636,000 |
| Net income | 818,000 | 1,696,000 | 2,490,000 | 3,510,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 39,625,000 | 40,517,000 | 41,326,000 | 42,363,000 |
| Total capital | 43,414,000 | 44,133,000 | 44,848,000 | 45,695,000 |
| Risk-weighted assets | 325,033,000 | 331,296,000 | 338,125,000 | 351,568,000 |
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