Call reports 2014
HOMETOWN BANK — 2014
What HOMETOWN BANK reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 164,957,000 | 163,404,000 | 163,100,000 | 166,185,000 |
| Total loans | 138,975,000 | 137,705,000 | 138,321,000 | 138,226,000 |
| Allowance for loan losses | 4,759,000 | 6,100,000 | 6,157,000 | 6,133,000 |
| Securities available for sale | 1,785,000 | 1,943,000 | 1,920,000 | 1,806,000 |
| Securities held to maturity | 2,160,000 | 3,536,000 | 3,235,000 | 2,979,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 140,060,000 | 139,391,000 | 138,934,000 | 140,872,000 |
| Interest-bearing deposits | 118,099,000 | 116,929,000 | 115,854,000 | 117,767,000 |
| Noninterest-bearing deposits | 21,961,000 | 22,462,000 | 23,080,000 | 23,105,000 |
| Equity capital | 13,877,000 | 13,407,000 | 13,670,000 | 14,931,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 1,839,000 | 3,489,000 | 5,270,000 | 7,027,000 |
| Interest expense | 195,000 | 381,000 | 561,000 | 744,000 |
| Net interest income | 1,644,000 | 3,108,000 | 4,709,000 | 6,283,000 |
| Noninterest income | 248,000 | 650,000 | 941,000 | 1,270,000 |
| Noninterest expense | 1,562,000 | 3,398,000 | 4,839,000 | 6,364,000 |
| Provision for loan losses | 150,000 | 2,472,000 | 2,534,000 | 2,534,000 |
| Pretax income | 180,000 | -2,112,000 | -1,723,000 | -1,345,000 |
| Income tax | 60,000 | -762,000 | -643,000 | -524,000 |
| Net income | 120,000 | -1,350,000 | -1,080,000 | -821,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 13,761,000 | 11,807,000 | 12,503,000 | 13,740,000 |
| Total capital | 15,325,000 | 13,357,000 | 14,051,000 | 15,278,000 |
| Risk-weighted assets | 121,827,000 | 119,464,000 | 119,246,000 | 118,436,000 |