Call reports 2013
HOMETOWN BANK — 2013
What HOMETOWN BANK reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 209,723,000 | 214,149,000 | 210,683,000 | 215,549,000 |
| Total loans | 181,343,000 | 175,228,000 | 173,903,000 | 179,256,000 |
| Allowance for loan losses | 4,420,000 | 3,762,000 | 3,728,000 | 3,745,000 |
| Securities available for sale | 2,586,000 | 3,547,000 | 6,496,000 | 6,429,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 171,570,000 | 177,879,000 | 173,334,000 | 178,226,000 |
| Interest-bearing deposits | 126,374,000 | 126,358,000 | 125,050,000 | 130,575,000 |
| Noninterest-bearing deposits | 45,196,000 | 51,521,000 | 48,284,000 | 47,651,000 |
| Equity capital | 30,243,000 | 28,854,000 | 29,610,000 | 29,820,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 2,267,000 | 4,434,000 | 6,614,000 | 8,839,000 |
| Interest expense | 269,000 | 520,000 | 755,000 | 977,000 |
| Net interest income | 1,998,000 | 3,914,000 | 5,859,000 | 7,862,000 |
| Noninterest income | 383,000 | 710,000 | 1,164,000 | 1,413,000 |
| Noninterest expense | 1,191,000 | 2,302,000 | 3,444,000 | 4,725,000 |
| Provision for loan losses | 0 | 62,000 | 62,000 | 502,000 |
| Pretax income | 1,190,000 | 2,260,000 | 3,517,000 | 4,048,000 |
| Income tax | 476,000 | 904,000 | 1,407,000 | 1,577,000 |
| Net income | 714,000 | 1,356,000 | 2,110,000 | 2,471,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 30,231,000 | 28,873,000 | 29,583,000 | 29,838,000 |
| Total capital | 32,267,000 | 30,844,000 | 31,564,000 | 31,833,000 |
| Risk-weighted assets | 160,522,000 | 155,834,000 | 156,747,000 | 157,888,000 |