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 | 204,426,000 | 206,800,000 | 210,009,000 | 201,284,000 |
| Total loans | 176,865,000 | 174,908,000 | 175,523,000 | 172,769,000 |
| Allowance for loan losses | 3,939,000 | 3,909,000 | 3,910,000 | 3,891,000 |
| Securities available for sale | 6,723,000 | 6,598,000 | 6,505,000 | 6,366,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 164,229,000 | 166,180,000 | 168,610,000 | 164,376,000 |
| Interest-bearing deposits | 118,810,000 | 117,454,000 | 116,169,000 | 113,325,000 |
| Noninterest-bearing deposits | 45,419,000 | 48,726,000 | 52,441,000 | 51,051,000 |
| Equity capital | 32,117,000 | 32,772,000 | 33,236,000 | 28,573,000 |
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 | 1,999,000 | 4,051,000 | 6,099,000 | 8,308,000 |
| Interest expense | 178,000 | 349,000 | 519,000 | 689,000 |
| Net interest income | 1,821,000 | 3,702,000 | 5,580,000 | 7,619,000 |
| Noninterest income | 469,000 | 860,000 | 1,252,000 | 1,581,000 |
| Noninterest expense | 1,217,000 | 2,386,000 | 3,541,000 | 5,171,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 1,073,000 | 2,176,000 | 3,291,000 | 4,029,000 |
| Income tax | 402,000 | 821,000 | 1,244,000 | 1,522,000 |
| Net income | 671,000 | 1,355,000 | 2,047,000 | 2,507,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 32,063,000 | 32,747,000 | 33,188,000 | 28,548,000 |
| Total capital | 34,199,000 | 34,819,000 | 35,286,000 | 30,679,000 |
| Risk-weighted assets | 169,083,000 | 163,980,000 | 166,077,000 | 168,693,000 |