Call reports 2016
HOMETOWN BANK — 2016
What HOMETOWN BANK reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 176,250,000 | 182,698,000 | 183,747,000 | 186,689,000 |
| Total loans | 142,398,000 | 147,447,000 | 150,405,000 | 151,946,000 |
| Allowance for loan losses | 2,636,000 | 2,686,000 | 2,715,000 | 2,512,000 |
| Securities available for sale | 6,034,000 | 7,682,000 | 7,411,000 | 7,839,000 |
| Securities held to maturity | 2,760,000 | 2,528,000 | 2,334,000 | 2,206,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 147,607,000 | 150,969,000 | 152,510,000 | 155,921,000 |
| Interest-bearing deposits | 122,315,000 | 124,404,000 | 125,385,000 | 128,591,000 |
| Noninterest-bearing deposits | 25,292,000 | 26,565,000 | 27,125,000 | 27,330,000 |
| Equity capital | 16,218,000 | 16,262,000 | 16,256,000 | 16,329,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 1,759,000 | 3,554,000 | 5,447,000 | 7,340,000 |
| Interest expense | 165,000 | 332,000 | 516,000 | 710,000 |
| Net interest income | 1,594,000 | 3,222,000 | 4,931,000 | 6,630,000 |
| Noninterest income | 288,000 | 668,000 | 1,065,000 | 1,391,000 |
| Noninterest expense | 1,653,000 | 3,233,000 | 4,941,000 | 6,625,000 |
| Provision for loan losses | 0 | 50,000 | 75,000 | 125,000 |
| Pretax income | 229,000 | 607,000 | 980,000 | 1,271,000 |
| Income tax | 74,000 | 193,000 | 300,000 | 382,000 |
| Net income | 155,000 | 414,000 | 680,000 | 889,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 16,079,000 | 16,106,000 | 16,131,000 | 16,351,000 |
| Total capital | 17,734,000 | 17,809,000 | 17,873,000 | 18,110,000 |
| Risk-weighted assets | 131,385,000 | 135,226,000 | 138,384,000 | 139,901,000 |