Call reports 2014
BEST HOMETOWN BANK — 2014
What BEST 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 | 96,207,000 | 94,695,000 | 94,211,000 | 91,220,000 |
| Total loans | 65,423,000 | 64,955,000 | 64,886,000 | 67,278,000 |
| Allowance for loan losses | 1,247,000 | 1,126,000 | 1,127,000 | 1,078,000 |
| Securities available for sale | 17,220,000 | 21,381,000 | 14,564,000 | 11,772,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 75,159,000 | 73,756,000 | 73,429,000 | 71,085,000 |
| Interest-bearing deposits | 70,360,000 | 69,156,000 | 68,453,000 | 66,510,000 |
| Noninterest-bearing deposits | 4,799,000 | 4,600,000 | 4,976,000 | 4,575,000 |
| Equity capital | 9,811,000 | 9,840,000 | 9,660,000 | 7,624,000 |
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 | 907,000 | 1,781,000 | 2,630,000 | 3,459,000 |
| Interest expense | 286,000 | 565,000 | 846,000 | 1,117,000 |
| Net interest income | 621,000 | 1,216,000 | 1,784,000 | 2,342,000 |
| Noninterest income | 490,000 | 552,000 | 603,000 | 644,000 |
| Noninterest expense | 663,000 | 1,410,000 | 2,178,000 | 2,936,000 |
| Provision for loan losses | 0 | 0 | 0 | 160,000 |
| Pretax income | 454,000 | 364,000 | 248,000 | -63,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 454,000 | 364,000 | 248,000 | -63,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,681,000 | 10,590,000 | 10,475,000 | 9,491,000 |
| Total capital | 11,126,000 | 11,132,000 | 11,024,000 | 10,052,000 |
| Risk-weighted assets | 43,404,000 | 42,778,000 | 43,432,000 | 44,290,000 |
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