Call reports 2014
HOMETOWN NATIONAL BANK — 2014
What HOMETOWN NATIONAL 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 | 195,389,000 | 193,701,000 | 214,175,000 | 211,212,000 |
| Total loans | 115,792,000 | 118,509,000 | 121,328,000 | 121,965,000 |
| Allowance for loan losses | 2,561,000 | 2,544,000 | 2,471,000 | 2,492,000 |
| Securities available for sale | 42,246,000 | 47,379,000 | 47,654,000 | 44,864,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 175,296,000 | 172,858,000 | 192,458,000 | 188,873,000 |
| Interest-bearing deposits | 139,669,000 | 136,829,000 | 158,578,000 | 147,658,000 |
| Noninterest-bearing deposits | 35,627,000 | 36,029,000 | 33,880,000 | 41,215,000 |
| Equity capital | 19,211,000 | 19,888,000 | 20,391,000 | 20,855,000 |
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 | 1,629,000 | 3,303,000 | 5,031,000 | 6,794,000 |
| Interest expense | 137,000 | 275,000 | 413,000 | 569,000 |
| Net interest income | 1,492,000 | 3,028,000 | 4,618,000 | 6,225,000 |
| Noninterest income | 423,000 | 982,000 | 1,398,000 | 1,858,000 |
| Noninterest expense | 1,388,000 | 2,774,000 | 4,116,000 | 5,473,000 |
| Provision for loan losses | 45,000 | 90,000 | 105,000 | 110,000 |
| Pretax income | 482,000 | 1,088,000 | 1,739,000 | 2,444,000 |
| Income tax | 128,000 | 272,000 | 466,000 | 668,000 |
| Net income | 354,000 | 816,000 | 1,273,000 | 1,776,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 19,007,000 | 19,370,000 | 19,731,000 | 20,137,000 |
| Total capital | 20,665,000 | 21,016,000 | 21,396,000 | 21,800,000 |
| Risk-weighted assets | 131,742,000 | 130,800,000 | 132,405,000 | 132,236,000 |