Call reports 2015
HOMETOWN BANK — 2015
What HOMETOWN BANK reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 164,021,000 | 165,406,000 | 166,048,000 | 175,411,000 |
| Total loans | 134,428,000 | 130,780,000 | 133,236,000 | 140,080,000 |
| Allowance for loan losses | 2,483,000 | 2,357,000 | 2,361,000 | 2,701,000 |
| Securities available for sale | 1,503,000 | 3,120,000 | 4,358,000 | 5,749,000 |
| Securities held to maturity | 2,957,000 | 2,909,000 | 2,889,000 | 2,856,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 137,983,000 | 140,271,000 | 141,076,000 | 145,184,000 |
| Interest-bearing deposits | 117,386,000 | 117,210,000 | 116,838,000 | 120,337,000 |
| Noninterest-bearing deposits | 20,597,000 | 23,061,000 | 24,238,000 | 24,847,000 |
| Equity capital | 15,892,000 | 16,207,000 | 16,564,000 | 16,733,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 1,712,000 | 3,406,000 | 5,114,000 | 6,923,000 |
| Interest expense | 166,000 | 323,000 | 481,000 | 646,000 |
| Net interest income | 1,546,000 | 3,083,000 | 4,633,000 | 6,277,000 |
| Noninterest income | 1,842,000 | 2,159,000 | 2,562,000 | 2,899,000 |
| Noninterest expense | 1,548,000 | 3,101,000 | 4,554,000 | 6,191,000 |
| Provision for loan losses | 395,000 | 220,000 | 220,000 | 295,000 |
| Pretax income | 1,445,000 | 1,921,000 | 2,421,000 | 2,690,000 |
| Income tax | 489,000 | 650,000 | 803,000 | 884,000 |
| Net income | 956,000 | 1,271,000 | 1,618,000 | 1,806,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 15,478,000 | 16,086,000 | 16,435,000 | 16,628,000 |
| Total capital | 17,003,000 | 17,572,000 | 17,987,000 | 18,251,000 |
| Risk-weighted assets | 121,045,000 | 117,913,000 | 123,292,000 | 128,708,000 |