Call reports 2015
HOMETOWN BANK — 2015
What HOMETOWN BANK 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 | 437,369,000 | 449,346,000 | 472,973,000 | 479,385,000 |
| Total loans | 339,896,000 | 354,457,000 | 360,554,000 | 369,001,000 |
| Allowance for loan losses | 3,329,000 | 3,313,000 | 3,313,000 | 3,298,000 |
| Securities available for sale | 51,158,000 | 48,931,000 | 50,686,000 | 52,544,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 366,775,000 | 377,345,000 | 400,322,000 | 401,121,000 |
| Interest-bearing deposits | 313,713,000 | 323,486,000 | 318,777,000 | 322,278,000 |
| Noninterest-bearing deposits | 53,062,000 | 53,859,000 | 81,545,000 | 78,843,000 |
| Equity capital | 43,825,000 | 44,187,000 | 45,074,000 | 51,952,000 |
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 | 4,250,000 | 8,617,000 | 13,106,000 | 17,701,000 |
| Interest expense | 540,000 | 1,107,000 | 1,697,000 | 2,291,000 |
| Net interest income | 3,710,000 | 7,510,000 | 11,409,000 | 15,410,000 |
| Noninterest income | 439,000 | 1,097,000 | 1,605,000 | 2,449,000 |
| Noninterest expense | 3,026,000 | 6,136,000 | 9,261,000 | 12,505,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 1,163,000 | 2,511,000 | 3,805,000 | 5,406,000 |
| Income tax | 355,000 | 762,000 | 1,160,000 | 1,663,000 |
| Net income | 794,000 | 1,706,000 | 2,595,000 | 3,686,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 43,205,000 | 43,935,000 | 44,649,000 | 51,592,000 |
| Total capital | 46,434,000 | 47,248,000 | 47,962,000 | 54,890,000 |
| Risk-weighted assets | 374,067,000 | 389,386,000 | 396,634,000 | 397,776,000 |
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