Call reports 2019
BEST HOMETOWN BANK — 2019
What BEST HOMETOWN BANK reported to the FFIEC in 2019, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Total assets | 111,298,000 | 114,451,000 | 115,624,000 | 112,323,000 |
| Total loans | 87,248,000 | 89,743,000 | 89,954,000 | 88,115,000 |
| Allowance for loan losses | 1,169,000 | 1,170,000 | 922,000 | 923,000 |
| Securities available for sale | 12,359,000 | 11,749,000 | 11,172,000 | 10,484,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 93,291,000 | 97,895,000 | 100,761,000 | 99,460,000 |
| Interest-bearing deposits | 87,288,000 | 91,988,000 | 94,874,000 | 93,640,000 |
| Noninterest-bearing deposits | 6,003,000 | 5,907,000 | 5,887,000 | 5,820,000 |
| Equity capital | 10,776,000 | 10,882,000 | 11,179,000 | 11,226,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Interest income | 1,066,000 | 2,153,000 | 3,280,000 | 4,391,000 |
| Interest expense | 443,000 | 920,000 | 1,436,000 | 1,939,000 |
| Net interest income | 623,000 | 1,233,000 | 1,844,000 | 2,452,000 |
| Noninterest income | 44,000 | 98,000 | 147,000 | 203,000 |
| Noninterest expense | 773,000 | 1,512,000 | 2,216,000 | 2,931,000 |
| Provision for loan losses | 0 | 0 | -250,000 | -250,000 |
| Pretax income | -106,000 | -181,000 | 25,000 | -26,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | -106,000 | -181,000 | 25,000 | -26,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,727,000 | 11,661,000 | 11,877,000 | 11,835,000 |
| Total capital | 12,621,000 | 12,617,000 | 12,799,000 | 12,758,000 |
| Risk-weighted assets | 71,260,000 | 76,292,000 | 77,422,000 | 74,067,000 |
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