Call reports 2003
HILLS BANK AND TRUST COMPANY — 2003
What HILLS 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 | 1,147,666,000 | 1,151,867,000 | 1,186,700,000 | 1,181,766,000 |
| Total loans | 828,663,000 | 852,785,000 | 863,625,000 | 882,739,000 |
| Allowance for loan losses | 12,530,000 | 12,740,000 | 12,425,000 | 12,585,000 |
| Securities available for sale | 192,645,000 | 206,136,000 | 206,608,000 | 218,923,000 |
| Securities held to maturity | 7,347,000 | 8,502,000 | 8,223,000 | 7,953,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 846,083,000 | 842,566,000 | 876,399,000 | 871,110,000 |
| Interest-bearing deposits | 733,703,000 | 723,731,000 | 761,484,000 | 752,561,000 |
| Noninterest-bearing deposits | 112,380,000 | 118,835,000 | 114,915,000 | 118,549,000 |
| Equity capital | 98,603,000 | 103,513,000 | 106,373,000 | 108,248,000 |
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 | 15,852,000 | 31,662,000 | 47,468,000 | 63,187,000 |
| Interest expense | 6,892,000 | 13,608,000 | 20,108,000 | 26,406,000 |
| Net interest income | 8,960,000 | 18,054,000 | 27,360,000 | 36,781,000 |
| Noninterest income | 3,115,000 | 7,011,000 | 10,867,000 | 13,563,000 |
| Noninterest expense | 6,530,000 | 13,368,000 | 20,322,000 | 28,380,000 |
| Provision for loan losses | 484,000 | 449,000 | 124,000 | 424,000 |
| Pretax income | 5,061,000 | 11,248,000 | 17,781,000 | 21,540,000 |
| Income tax | 1,665,000 | 3,710,000 | 5,910,000 | 7,212,000 |
| Net income | 3,396,000 | 7,538,000 | 11,871,000 | 14,328,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 91,729,000 | 95,871,000 | 100,203,000 | 102,661,000 |
| Total capital | 101,199,000 | 105,562,000 | 110,106,000 | 112,641,000 |
| Risk-weighted assets | 754,535,000 | 772,259,000 | 789,690,000 | 795,815,000 |