Call reports 2003
BANK OF THE HILLS, NATIONAL ASSOCIATION — 2003
What BANK OF THE HILLS, NATIONAL ASSOCIATION reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 176,174,000 | 186,499,000 | 194,122,000 | 214,193,000 |
| Total loans | 90,657,000 | 100,838,000 | 107,921,000 | 114,871,000 |
| Allowance for loan losses | 1,240,000 | 1,323,000 | 1,398,000 | 1,567,000 |
| Securities available for sale | 8,203,000 | 7,059,000 | 6,003,000 | 5,726,000 |
| Securities held to maturity | 26,242,000 | 33,289,000 | 40,734,000 | 47,648,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 163,344,000 | 172,124,000 | 178,904,000 | 198,819,000 |
| Interest-bearing deposits | 138,971,000 | 144,412,000 | 151,933,000 | 168,891,000 |
| Noninterest-bearing deposits | 24,373,000 | 27,712,000 | 26,971,000 | 29,928,000 |
| Equity capital | 12,112,000 | 13,702,000 | 14,353,000 | 15,027,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 2,180,000 | 4,421,000 | 6,730,000 | 9,217,000 |
| Interest expense | 569,000 | 1,153,000 | 1,677,000 | 2,237,000 |
| Net interest income | 1,611,000 | 3,268,000 | 5,053,000 | 6,980,000 |
| Noninterest income | 432,000 | 909,000 | 1,410,000 | 2,130,000 |
| Noninterest expense | 1,056,000 | 2,128,000 | 3,259,000 | 4,654,000 |
| Provision for loan losses | 78,000 | 164,000 | 251,000 | 426,000 |
| Pretax income | 909,000 | 1,885,000 | 2,953,000 | 4,030,000 |
| Income tax | 291,000 | 599,000 | 922,000 | 1,247,000 |
| Net income | 618,000 | 1,286,000 | 2,031,000 | 2,783,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,805,000 | 13,414,000 | 14,125,000 | 14,822,000 |
| Total capital | 13,045,000 | 14,737,000 | 15,523,000 | 16,389,000 |
| Risk-weighted assets | 104,511,000 | 113,940,000 | 119,803,000 | 129,679,000 |