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 | 277,559,000 | 273,975,000 | 272,489,000 | 271,618,000 |
| Total loans | 201,884,000 | 213,478,000 | 214,151,000 | 218,028,000 |
| Allowance for loan losses | 4,289,000 | 4,276,000 | 4,258,000 | 4,267,000 |
| Securities available for sale | 20,271,000 | 19,246,000 | 18,863,000 | 17,595,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 234,328,000 | 230,696,000 | 228,142,000 | 226,067,000 |
| Interest-bearing deposits | 169,735,000 | 163,341,000 | 164,370,000 | 162,629,000 |
| Noninterest-bearing deposits | 64,593,000 | 67,355,000 | 63,772,000 | 63,438,000 |
| Equity capital | 34,669,000 | 35,166,000 | 35,919,000 | 36,567,000 |
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 | 2,531,000 | 5,061,000 | 7,703,000 | 11,334,000 |
| Interest expense | 207,000 | 421,000 | 634,000 | 841,000 |
| Net interest income | 2,324,000 | 4,640,000 | 7,069,000 | 10,493,000 |
| Noninterest income | 576,000 | 1,107,000 | 1,764,000 | 2,350,000 |
| Noninterest expense | 1,703,000 | 3,277,000 | 4,953,000 | 7,260,000 |
| Provision for loan losses | 0 | 0 | 0 | 150,000 |
| Pretax income | 1,197,000 | 2,470,000 | 3,880,000 | 5,429,000 |
| Income tax | 429,000 | 902,000 | 1,426,000 | 2,004,000 |
| Net income | 768,000 | 1,568,000 | 2,454,000 | 3,425,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 34,121,000 | 34,542,000 | 35,349,000 | 36,255,000 |
| Total capital | 36,626,000 | 37,224,000 | 38,081,000 | 39,014,000 |
| Risk-weighted assets | 198,630,000 | 213,019,000 | 217,005,000 | 219,171,000 |