Call reports 2013
HOMETOWN BANK — 2013
What HOMETOWN BANK reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 168,287,000 | 164,255,000 | 164,867,000 | 164,618,000 |
| Total loans | 140,101,000 | 139,344,000 | 141,334,000 | 140,543,000 |
| Allowance for loan losses | 943,000 | 1,086,000 | 4,389,000 | 4,544,000 |
| Securities available for sale | 0 | 0 | 1,744,000 | 1,838,000 |
| Securities held to maturity | 2,411,000 | 2,365,000 | 2,324,000 | 2,271,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 137,931,000 | 136,145,000 | 138,113,000 | 140,626,000 |
| Interest-bearing deposits | 115,795,000 | 113,676,000 | 115,606,000 | 118,111,000 |
| Noninterest-bearing deposits | 22,136,000 | 22,469,000 | 22,507,000 | 22,515,000 |
| Equity capital | 13,474,000 | 13,757,000 | 12,500,000 | 12,727,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 1,989,000 | 3,955,000 | 5,806,000 | 7,715,000 |
| Interest expense | 227,000 | 450,000 | 664,000 | 873,000 |
| Net interest income | 1,762,000 | 3,505,000 | 5,142,000 | 6,842,000 |
| Noninterest income | 251,000 | 555,000 | 853,000 | 1,117,000 |
| Noninterest expense | 1,303,000 | 2,697,000 | 4,349,000 | 5,830,000 |
| Provision for loan losses | 100,000 | 325,000 | 4,345,000 | 4,495,000 |
| Pretax income | 193,000 | 621,000 | -3,076,000 | -2,743,000 |
| Income tax | 64,000 | 205,000 | -1,066,000 | -959,000 |
| Net income | 129,000 | 416,000 | -2,010,000 | -1,784,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 13,473,000 | 13,756,000 | 12,390,000 | 12,616,000 |
| Total capital | 14,416,000 | 14,842,000 | 14,014,000 | 14,201,000 |
| Risk-weighted assets | 123,418,000 | 123,748,000 | 127,061,000 | 123,781,000 |