Call reports 2013
BEST HOMETOWN BANK — 2013
What BEST HOMETOWN BANK reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 96,840,000 | 96,536,000 | 97,311,000 | 95,050,000 |
| Total loans | 67,999,000 | 66,802,000 | 66,887,000 | 66,582,000 |
| Allowance for loan losses | 1,463,000 | 1,472,000 | 1,463,000 | 1,407,000 |
| Securities available for sale | 20,838,000 | 23,555,000 | 23,374,000 | 22,345,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 75,808,000 | 75,904,000 | 76,515,000 | 74,483,000 |
| Interest-bearing deposits | 71,268,000 | 71,555,000 | 70,122,000 | 69,143,000 |
| Noninterest-bearing deposits | 4,540,000 | 4,349,000 | 6,393,000 | 5,340,000 |
| Equity capital | 9,283,000 | 9,032,000 | 9,026,000 | 9,334,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 975,000 | 1,927,000 | 2,765,000 | 3,667,000 |
| Interest expense | 322,000 | 635,000 | 942,000 | 1,239,000 |
| Net interest income | 653,000 | 1,292,000 | 1,823,000 | 2,428,000 |
| Noninterest income | 91,000 | 121,000 | 214,000 | 229,000 |
| Noninterest expense | 627,000 | 1,255,000 | 1,853,000 | 2,496,000 |
| Provision for loan losses | 37,000 | 82,000 | 97,000 | 102,000 |
| Pretax income | 80,000 | 76,000 | 87,000 | 59,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 80,000 | 76,000 | 87,000 | 59,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,057,000 | 10,245,000 | 10,255,000 | 10,227,000 |
| Total capital | 10,623,000 | 10,786,000 | 10,816,000 | 10,680,000 |
| Risk-weighted assets | 44,471,000 | 42,490,000 | 43,390,000 | 43,306,000 |
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