Call reports 2004
BANK OF THE HILLS, NATIONAL ASSOCIATION — 2004
What BANK OF THE HILLS, NATIONAL ASSOCIATION reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 225,323,000 | 235,293,000 | 243,239,000 | 256,615,000 |
| Total loans | 118,841,000 | 123,885,000 | 131,169,000 | 134,361,000 |
| Allowance for loan losses | 1,631,000 | 1,736,000 | 1,815,000 | 1,854,000 |
| Securities available for sale | 5,527,000 | 4,678,000 | 3,599,000 | 3,435,000 |
| Securities held to maturity | 53,944,000 | 55,746,000 | 58,282,000 | 63,380,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 208,875,000 | 218,116,000 | 225,028,000 | 238,021,000 |
| Interest-bearing deposits | 177,411,000 | 184,990,000 | 190,123,000 | 202,916,000 |
| Noninterest-bearing deposits | 31,464,000 | 33,126,000 | 34,905,000 | 35,105,000 |
| Equity capital | 15,752,000 | 16,471,000 | 17,310,000 | 18,115,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 2,578,000 | 5,251,000 | 8,067,000 | 11,048,000 |
| Interest expense | 601,000 | 1,232,000 | 1,936,000 | 2,728,000 |
| Net interest income | 1,977,000 | 4,019,000 | 6,131,000 | 8,320,000 |
| Noninterest income | 457,000 | 964,000 | 1,467,000 | 1,949,000 |
| Noninterest expense | 1,251,000 | 2,525,000 | 3,832,000 | 5,213,000 |
| Provision for loan losses | 92,000 | 178,000 | 260,000 | 336,000 |
| Pretax income | 1,091,000 | 2,280,000 | 3,506,000 | 4,720,000 |
| Income tax | 289,000 | 601,000 | 920,000 | 1,234,000 |
| Net income | 802,000 | 1,679,000 | 2,586,000 | 3,486,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 15,567,000 | 16,349,000 | 17,200,000 | 18,034,000 |
| Total capital | 17,198,000 | 18,078,000 | 19,001,000 | 19,888,000 |
| Risk-weighted assets | 134,906,000 | 138,326,000 | 144,072,000 | 151,283,000 |