Call reports 2015
HOMETOWN NATIONAL BANK — 2015
What HOMETOWN NATIONAL 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 |
|---|---|---|---|
| Total assets | 7,111,000 | 4,927,000 | 3,785,000 |
| Total loans | 3,827,000 | 2,947,000 | 2,394,000 |
| Allowance for loan losses | 300,000 | 0 | 0 |
| Securities available for sale | 0 | 0 | 0 |
| Securities held to maturity | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 |
| Total deposits | 6,651,000 | 4,716,000 | 3,705,000 |
| Interest-bearing deposits | 4,654,000 | 3,000,000 | 2,583,000 |
| Noninterest-bearing deposits | 1,997,000 | 1,716,000 | 1,122,000 |
| Equity capital | 418,000 | 97,000 | 80,000 |
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 |
|---|---|---|---|
| Interest income | 87,000 | 144,000 | 199,000 |
| Interest expense | 9,000 | 14,000 | 19,000 |
| Net interest income | 78,000 | 130,000 | 180,000 |
| Noninterest income | -39,000 | -94,000 | -91,000 |
| Noninterest expense | 329,000 | 647,000 | 717,000 |
| Provision for loan losses | -83,000 | -83,000 | -83,000 |
| Pretax income | -207,000 | -528,000 | -545,000 |
| Income tax | 0 | 0 | 0 |
| Net income | -207,000 | -528,000 | -545,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 |
|---|---|---|---|
| Tier 1 capital | 418,000 | 97,000 | 80,000 |
| Total capital | 461,000 | 97,000 | 80,000 |
| Risk-weighted assets | 3,211,000 | 2,793,000 | 2,367,000 |