Call reports 2014
HOMETOWN BANK — 2014
What HOMETOWN 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 | 203,840,000 | 201,854,000 | 244,281,000 | 227,129,000 |
| Total loans | 174,066,000 | 176,976,000 | 170,139,000 | 172,915,000 |
| Allowance for loan losses | 3,797,000 | 3,887,000 | 3,888,000 | 3,938,000 |
| Securities available for sale | 6,961,000 | 6,933,000 | 6,832,000 | 6,772,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 165,855,000 | 163,688,000 | 205,524,000 | 187,820,000 |
| Interest-bearing deposits | 121,572,000 | 118,481,000 | 157,035,000 | 135,524,000 |
| Noninterest-bearing deposits | 44,283,000 | 45,207,000 | 48,489,000 | 52,296,000 |
| Equity capital | 30,431,000 | 30,474,000 | 31,101,000 | 31,430,000 |
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 | 2,152,000 | 4,230,000 | 6,357,000 | 8,414,000 |
| Interest expense | 202,000 | 400,000 | 602,000 | 802,000 |
| Net interest income | 1,950,000 | 3,830,000 | 5,755,000 | 7,612,000 |
| Noninterest income | 257,000 | 570,000 | 971,000 | 1,318,000 |
| Noninterest expense | 1,221,000 | 2,335,000 | 3,433,000 | 4,688,000 |
| Provision for loan losses | 47,000 | 95,000 | 142,000 | 189,000 |
| Pretax income | 939,000 | 1,970,000 | 3,151,000 | 4,053,000 |
| Income tax | 364,000 | 763,000 | 1,206,000 | 1,560,000 |
| Net income | 575,000 | 1,207,000 | 1,945,000 | 2,493,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 30,414,000 | 30,429,000 | 30,990,000 | 31,201,000 |
| Total capital | 32,358,000 | 32,433,000 | 32,977,000 | 33,225,000 |
| Risk-weighted assets | 153,629,000 | 158,441,000 | 157,069,000 | 159,995,000 |