Call reports 2002
HILLS BANK AND TRUST COMPANY — 2002
What HILLS BANK AND TRUST COMPANY reported to the FFIEC in 2002, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Total assets | 1,028,815,000 | 1,037,039,000 | 1,077,049,000 | 1,096,285,000 |
| Total loans | 719,091,000 | 748,460,000 | 783,476,000 | 792,982,000 |
| Allowance for loan losses | 10,265,000 | 10,350,000 | 10,650,000 | 12,125,000 |
| Securities available for sale | 177,729,000 | 193,828,000 | 192,020,000 | 197,294,000 |
| Securities held to maturity | 11,297,000 | 8,939,000 | 8,734,000 | 8,022,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 779,583,000 | 752,163,000 | 790,093,000 | 804,177,000 |
| Interest-bearing deposits | 687,785,000 | 658,071,000 | 689,120,000 | 694,488,000 |
| Noninterest-bearing deposits | 91,798,000 | 94,092,000 | 100,973,000 | 109,689,000 |
| Equity capital | 87,010,000 | 91,195,000 | 95,689,000 | 98,410,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Interest income | 15,515,000 | 31,434,000 | 47,932,000 | 64,522,000 |
| Interest expense | 7,988,000 | 15,866,000 | 23,761,000 | 31,135,000 |
| Net interest income | 7,527,000 | 15,568,000 | 24,171,000 | 33,387,000 |
| Noninterest income | 2,330,000 | 4,460,000 | 6,886,000 | 9,923,000 |
| Noninterest expense | 5,793,000 | 11,873,000 | 17,899,000 | 24,220,000 |
| Provision for loan losses | 236,000 | 487,000 | 731,000 | 2,449,000 |
| Pretax income | 3,828,000 | 7,668,000 | 12,427,000 | 16,641,000 |
| Income tax | 1,190,000 | 2,350,000 | 3,862,000 | 5,145,000 |
| Net income | 2,638,000 | 5,318,000 | 8,565,000 | 11,496,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 82,373,000 | 85,094,000 | 88,384,000 | 91,189,000 |
| Total capital | 90,725,000 | 93,690,000 | 97,290,000 | 100,288,000 |
| Risk-weighted assets | 666,276,000 | 685,952,000 | 710,742,000 | 724,865,000 |