Call reports 2016
HOMETOWN BANK — 2016
What HOMETOWN BANK 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 | 493,322,000 | 505,386,000 | 507,718,000 | 517,290,000 |
| Total loans | 381,352,000 | 394,583,000 | 404,209,000 | 419,669,000 |
| Allowance for loan losses | 3,347,000 | 3,449,000 | 3,544,000 | 3,636,000 |
| Securities available for sale | 54,757,000 | 54,498,000 | 54,085,000 | 52,975,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 414,665,000 | 433,892,000 | 440,595,000 | 451,146,000 |
| Interest-bearing deposits | 333,558,000 | 349,861,000 | 351,278,000 | 359,494,000 |
| Noninterest-bearing deposits | 81,107,000 | 84,031,000 | 89,317,000 | 91,652,000 |
| Equity capital | 53,103,000 | 53,650,000 | 54,615,000 | 54,727,000 |
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 | 4,614,000 | 9,315,000 | 14,205,000 | 19,174,000 |
| Interest expense | 601,000 | 1,208,000 | 1,850,000 | 2,482,000 |
| Net interest income | 4,013,000 | 8,107,000 | 12,355,000 | 16,692,000 |
| Noninterest income | 606,000 | 1,180,000 | 1,974,000 | 2,339,000 |
| Noninterest expense | 3,226,000 | 6,417,000 | 9,819,000 | 13,347,000 |
| Provision for loan losses | 60,000 | 868,000 | 979,000 | 1,082,000 |
| Pretax income | 1,338,000 | 2,216,000 | 3,788,000 | 4,859,000 |
| Income tax | 411,000 | 918,000 | 1,402,000 | 1,718,000 |
| Net income | 913,000 | 1,281,000 | 2,337,000 | 3,079,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 52,515,000 | 52,932,000 | 54,017,000 | 54,800,000 |
| Total capital | 55,862,000 | 56,381,000 | 57,561,000 | 58,436,000 |
| Risk-weighted assets | 424,294,000 | 433,173,000 | 447,047,000 | 464,291,000 |