Call reports 2005
HILLSBORO STATE BANK — 2005
What HILLSBORO STATE BANK reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 11,754,000 | 11,342,000 | 12,657,000 | 12,152,000 |
| Total loans | 8,088,000 | 8,067,000 | 8,681,000 | 8,261,000 |
| Allowance for loan losses | 66,000 | 66,000 | 68,000 | 68,000 |
| Securities available for sale | 312,000 | 416,000 | 614,000 | 602,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 10,329,000 | 9,919,000 | 11,210,000 | 10,751,000 |
| Interest-bearing deposits | 8,935,000 | 8,404,000 | 9,560,000 | 9,241,000 |
| Noninterest-bearing deposits | 1,394,000 | 1,515,000 | 1,650,000 | 1,510,000 |
| Equity capital | 1,304,000 | 1,320,000 | 1,344,000 | 1,302,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 166,000 | 332,000 | 510,000 | 702,000 |
| Interest expense | 40,000 | 81,000 | 128,000 | 183,000 |
| Net interest income | 126,000 | 251,000 | 382,000 | 519,000 |
| Noninterest income | 12,000 | 23,000 | 36,000 | 45,000 |
| Noninterest expense | 116,000 | 235,000 | 350,000 | 467,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 22,000 | 39,000 | 68,000 | 97,000 |
| Income tax | 7,000 | 11,000 | 14,000 | 22,000 |
| Net income | 15,000 | 28,000 | 54,000 | 75,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 1,302,000 | 1,315,000 | 1,341,000 | 1,304,000 |
| Total capital | 1,368,000 | 1,381,000 | 1,409,000 | 1,372,000 |
| Risk-weighted assets | 7,707,000 | 7,680,000 | 8,363,000 | 8,058,000 |
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