Call reports 2016
HILLSBORO STATE BANK — 2016
What HILLSBORO STATE 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 | 18,925,000 | 19,049,000 | 19,397,000 | 18,779,000 |
| Total loans | 8,660,000 | 9,409,000 | 9,924,000 | 8,816,000 |
| Allowance for loan losses | 87,000 | 110,000 | 109,000 | 129,000 |
| Securities available for sale | 2,033,000 | 2,055,000 | 1,875,000 | 1,827,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 16,878,000 | 16,706,000 | 16,752,000 | 16,744,000 |
| Interest-bearing deposits | 13,866,000 | 13,412,000 | 13,708,000 | 13,603,000 |
| Noninterest-bearing deposits | 3,012,000 | 3,294,000 | 3,044,000 | 3,141,000 |
| Equity capital | 1,587,000 | 1,624,000 | 1,649,000 | 1,625,000 |
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 | 165,000 | 330,000 | 517,000 | 685,000 |
| Interest expense | 8,000 | 16,000 | 27,000 | 36,000 |
| Net interest income | 157,000 | 314,000 | 490,000 | 649,000 |
| Noninterest income | 22,000 | 47,000 | 71,000 | 94,000 |
| Noninterest expense | 149,000 | 292,000 | 451,000 | 600,000 |
| Provision for loan losses | 0 | 20,000 | 20,000 | 40,000 |
| Pretax income | 30,000 | 52,000 | 93,000 | 106,000 |
| Income tax | 10,000 | 17,000 | 23,000 | 22,000 |
| Net income | 20,000 | 35,000 | 70,000 | 84,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 1,573,000 | 1,592,000 | 1,627,000 | 1,625,000 |
| Total capital | 1,660,000 | 1,693,000 | 1,736,000 | 1,718,000 |
| Risk-weighted assets | 8,801,000 | 8,068,000 | 8,754,000 | 7,440,000 |