Call reports 2025
HOMETOWN BANK — 2025
What HOMETOWN BANK reported to the FFIEC in 2025, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Total assets | 607,224,000 | 627,983,000 | 649,152,000 | 663,179,000 |
| Total loans | 392,951,000 | 418,017,000 | 433,070,000 | 451,547,000 |
| Allowance for loan losses | 5,463,000 | 5,758,000 | 5,960,000 | 6,166,000 |
| Securities available for sale | 158,322,000 | 155,215,000 | 154,670,000 | 157,207,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 552,053,000 | 564,011,000 | 586,243,000 | 585,880,000 |
| Interest-bearing deposits | 427,347,000 | 428,752,000 | 453,159,000 | 453,347,000 |
| Noninterest-bearing deposits | 124,706,000 | 135,259,000 | 133,084,000 | 132,533,000 |
| Equity capital | 44,110,000 | 45,926,000 | 48,386,000 | 50,626,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Interest income | 6,958,000 | 14,301,000 | 22,262,000 | 30,352,000 |
| Interest expense | 1,914,000 | 3,926,000 | 6,125,000 | 8,221,000 |
| Net interest income | 5,044,000 | 10,375,000 | 16,137,000 | 22,131,000 |
| Noninterest income | 582,000 | 1,576,000 | 2,479,000 | 3,184,000 |
| Noninterest expense | 4,224,000 | 8,575,000 | 13,172,000 | 17,992,000 |
| Provision for loan losses | 30,000 | 325,000 | 525,000 | 730,000 |
| Pretax income | 1,369,000 | 3,091,000 | 4,934,000 | 6,612,000 |
| Income tax | 372,000 | 530,000 | 1,029,000 | 1,552,000 |
| Net income | 997,000 | 2,561,000 | 3,905,000 | 5,060,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 51,041,000 | 51,355,000 | 52,699,000 | 53,854,000 |
| Total capital | 56,243,000 | 56,854,000 | 58,362,000 | 59,717,000 |
| Risk-weighted assets | 415,806,000 | 439,578,000 | 452,646,000 | 468,621,000 |