Call reports 2003
HAMLIN BANK AND TRUST COMPANY — 2003
What HAMLIN BANK AND TRUST COMPANY 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 | 331,603,000 | 350,386,000 | 354,315,000 | 356,753,000 |
| Total loans | 145,694,000 | 144,574,000 | 145,412,000 | 145,583,000 |
| Allowance for loan losses | 2,210,000 | 2,247,000 | 2,263,000 | 2,127,000 |
| Securities available for sale | 139,739,000 | 158,415,000 | 174,405,000 | 182,177,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 257,512,000 | 270,559,000 | 274,720,000 | 272,974,000 |
| Interest-bearing deposits | 229,987,000 | 244,684,000 | 244,420,000 | 245,327,000 |
| Noninterest-bearing deposits | 27,525,000 | 25,875,000 | 30,300,000 | 27,647,000 |
| Equity capital | 61,698,000 | 65,153,000 | 66,062,000 | 68,270,000 |
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 | 4,644,000 | 9,490,000 | 14,405,000 | 19,229,000 |
| Interest expense | 1,751,000 | 3,634,000 | 5,336,000 | 7,002,000 |
| Net interest income | 2,893,000 | 5,856,000 | 9,069,000 | 12,227,000 |
| Noninterest income | 196,000 | 503,000 | 689,000 | 1,005,000 |
| Noninterest expense | 1,476,000 | 2,959,000 | 4,537,000 | 6,180,000 |
| Provision for loan losses | 150,000 | 300,000 | 450,000 | 600,000 |
| Pretax income | 1,776,000 | 3,622,000 | 5,293,000 | 8,671,000 |
| Income tax | 500,000 | 994,000 | 1,445,000 | 2,426,000 |
| Net income | 1,276,000 | 2,628,000 | 3,848,000 | 6,245,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 46,855,000 | 46,802,000 | 47,877,000 | 48,400,000 |
| Total capital | 57,292,000 | 58,790,000 | 60,759,000 | 62,481,000 |
| Risk-weighted assets | 172,760,000 | 172,691,000 | 181,116,000 | 183,137,000 |