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 | 248,873,000 | 257,928,000 | 261,337,000 | 263,903,000 |
| Total loans | 180,535,000 | 190,339,000 | 192,879,000 | 194,026,000 |
| Allowance for loan losses | 2,866,000 | 3,054,000 | 3,161,000 | 3,239,000 |
| Securities available for sale | 34,602,000 | 35,260,000 | 34,801,000 | 37,013,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 207,324,000 | 213,817,000 | 218,784,000 | 219,880,000 |
| Interest-bearing deposits | 168,946,000 | 176,100,000 | 177,446,000 | 176,996,000 |
| Noninterest-bearing deposits | 38,378,000 | 37,717,000 | 41,338,000 | 42,884,000 |
| Equity capital | 31,034,000 | 31,186,000 | 31,898,000 | 32,144,000 |
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 | 2,666,000 | 5,444,000 | 8,307,000 | 11,106,000 |
| Interest expense | 141,000 | 294,000 | 450,000 | 594,000 |
| Net interest income | 2,525,000 | 5,150,000 | 7,857,000 | 10,512,000 |
| Noninterest income | 577,000 | 2,491,000 | 3,580,000 | 4,413,000 |
| Noninterest expense | 2,181,000 | 4,317,000 | 6,705,000 | 9,038,000 |
| Provision for loan losses | 46,000 | 174,000 | 293,000 | 353,000 |
| Pretax income | 875,000 | 3,150,000 | 4,439,000 | 5,534,000 |
| Income tax | 317,000 | 1,207,000 | 1,717,000 | 2,121,000 |
| Net income | 558,000 | 1,943,000 | 2,722,000 | 3,413,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 26,507,000 | 26,592,000 | 27,371,000 | 28,062,000 |
| Total capital | 29,070,000 | 29,281,000 | 30,034,000 | 30,714,000 |
| Risk-weighted assets | 204,795,000 | 214,797,000 | 212,585,000 | 211,623,000 |