Call reports 2016
BEST HOMETOWN BANK — 2016
What BEST 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 | 100,171,000 | 107,665,000 | 109,589,000 | 109,390,000 |
| Total loans | 74,000,000 | 73,799,000 | 76,398,000 | 75,462,000 |
| Allowance for loan losses | 1,251,000 | 1,223,000 | 1,223,000 | 1,214,000 |
| Securities available for sale | 12,528,000 | 18,656,000 | 25,114,000 | 25,162,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 84,437,000 | 86,900,000 | 87,902,000 | 89,713,000 |
| Interest-bearing deposits | 79,640,000 | 81,886,000 | 82,679,000 | 83,690,000 |
| Noninterest-bearing deposits | 4,797,000 | 5,014,000 | 5,223,000 | 6,023,000 |
| Equity capital | 6,815,000 | 11,034,000 | 10,901,000 | 10,945,000 |
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 | 887,000 | 1,772,000 | 2,676,000 | 3,596,000 |
| Interest expense | 309,000 | 637,000 | 954,000 | 1,267,000 |
| Net interest income | 578,000 | 1,135,000 | 1,722,000 | 2,329,000 |
| Noninterest income | 33,000 | 53,000 | 92,000 | 128,000 |
| Noninterest expense | 744,000 | 1,474,000 | 2,235,000 | 2,933,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | -133,000 | -286,000 | -414,000 | -469,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | -133,000 | -286,000 | -414,000 | -469,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,655,000 | 12,841,000 | 12,715,000 | 12,694,000 |
| Total capital | 9,321,000 | 13,503,000 | 13,412,000 | 13,398,000 |
| Risk-weighted assets | 52,757,000 | 52,463,000 | 55,278,000 | 55,847,000 |
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