Call reports 2012
HOMETOWN BANK — 2012
What HOMETOWN BANK reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 154,583,000 | 155,865,000 | 156,425,000 | 163,674,000 |
| Total loans | 125,672,000 | 127,512,000 | 129,848,000 | 135,815,000 |
| Allowance for loan losses | 1,045,000 | 1,144,000 | 791,000 | 911,000 |
| Securities available for sale | 8,370,000 | 8,388,000 | 8,425,000 | 8,406,000 |
| Securities held to maturity | 3,404,000 | 3,070,000 | 2,725,000 | 2,678,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 129,798,000 | 129,175,000 | 129,434,000 | 132,846,000 |
| Interest-bearing deposits | 107,208,000 | 107,073,000 | 106,662,000 | 110,834,000 |
| Noninterest-bearing deposits | 22,590,000 | 22,102,000 | 22,772,000 | 22,012,000 |
| Equity capital | 12,030,000 | 12,299,000 | 12,805,000 | 13,076,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 1,875,000 | 3,783,000 | 5,720,000 | 7,670,000 |
| Interest expense | 254,000 | 497,000 | 739,000 | 977,000 |
| Net interest income | 1,621,000 | 3,286,000 | 4,981,000 | 6,693,000 |
| Noninterest income | 270,000 | 465,000 | 907,000 | 1,207,000 |
| Noninterest expense | 1,284,000 | 2,530,000 | 3,850,000 | 5,171,000 |
| Provision for loan losses | 200,000 | 440,000 | 515,000 | 640,000 |
| Pretax income | 396,000 | 770,000 | 1,512,000 | 2,078,000 |
| Income tax | 122,000 | 239,000 | 499,000 | 686,000 |
| Net income | 274,000 | 531,000 | 1,013,000 | 1,392,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,030,000 | 12,299,000 | 12,805,000 | 13,076,000 |
| Total capital | 13,075,000 | 13,443,000 | 13,596,000 | 13,987,000 |
| Risk-weighted assets | 113,197,000 | 115,649,000 | 116,866,000 | 122,597,000 |