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 | 235,703,000 | 237,785,000 | 244,488,000 | 249,697,000 |
| Total loans | 167,897,000 | 168,461,000 | 172,663,000 | 179,936,000 |
| Allowance for loan losses | 2,735,000 | 2,733,000 | 2,803,000 | 2,811,000 |
| Securities available for sale | 37,685,000 | 36,745,000 | 37,911,000 | 38,099,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 199,225,000 | 202,085,000 | 206,730,000 | 204,324,000 |
| Interest-bearing deposits | 163,716,000 | 168,877,000 | 170,956,000 | 165,618,000 |
| Noninterest-bearing deposits | 35,509,000 | 33,208,000 | 35,774,000 | 38,706,000 |
| Equity capital | 29,824,000 | 29,185,000 | 29,892,000 | 30,408,000 |
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 | 2,572,000 | 5,144,000 | 7,794,000 | 10,408,000 |
| Interest expense | 133,000 | 267,000 | 407,000 | 551,000 |
| Net interest income | 2,439,000 | 4,877,000 | 7,387,000 | 9,857,000 |
| Noninterest income | 604,000 | 1,224,000 | 1,822,000 | 2,581,000 |
| Noninterest expense | 1,847,000 | 3,733,000 | 5,800,000 | 7,981,000 |
| Provision for loan losses | 92,000 | 108,000 | 150,000 | 229,000 |
| Pretax income | 1,104,000 | 2,260,000 | 3,287,000 | 4,256,000 |
| Income tax | 409,000 | 841,000 | 1,222,000 | 1,583,000 |
| Net income | 695,000 | 1,419,000 | 2,065,000 | 2,673,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 25,171,000 | 24,695,000 | 25,341,000 | 25,949,000 |
| Total capital | 27,640,000 | 26,866,000 | 27,619,000 | 28,310,000 |
| Risk-weighted assets | 197,321,000 | 173,146,000 | 181,676,000 | 188,459,000 |