Call reports 2015
BEST HOMETOWN BANK — 2015
What BEST 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 | 94,400,000 | 100,316,000 | 102,764,000 | 98,928,000 |
| Total loans | 67,544,000 | 72,335,000 | 73,563,000 | 75,823,000 |
| Allowance for loan losses | 1,100,000 | 1,093,000 | 1,056,000 | 1,249,000 |
| Securities available for sale | 13,026,000 | 13,852,000 | 11,841,000 | 11,224,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 74,269,000 | 75,774,000 | 76,489,000 | 80,022,000 |
| Interest-bearing deposits | 69,825,000 | 70,321,000 | 72,553,000 | 75,785,000 |
| Noninterest-bearing deposits | 4,444,000 | 5,453,000 | 3,936,000 | 4,237,000 |
| Equity capital | 7,518,000 | 7,412,000 | 7,312,000 | 6,862,000 |
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 | 813,000 | 1,635,000 | 2,507,000 | 3,441,000 |
| Interest expense | 284,000 | 555,000 | 855,000 | 1,179,000 |
| Net interest income | 529,000 | 1,080,000 | 1,652,000 | 2,262,000 |
| Noninterest income | 72,000 | 185,000 | 245,000 | 230,000 |
| Noninterest expense | 740,000 | 1,432,000 | 2,161,000 | 2,928,000 |
| Provision for loan losses | 18,000 | 18,000 | 18,000 | 268,000 |
| Pretax income | -157,000 | -185,000 | -280,000 | -702,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | -157,000 | -185,000 | -280,000 | -702,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,334,000 | 9,306,000 | 9,211,000 | 8,789,000 |
| Total capital | 9,935,000 | 9,941,000 | 9,874,000 | 9,457,000 |
| Risk-weighted assets | 47,587,000 | 50,360,000 | 52,669,000 | 52,886,000 |