Call reports 2004
HILLS BANK AND TRUST COMPANY — 2004
What HILLS BANK AND TRUST COMPANY 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 | 1,205,277,000 | 1,232,908,000 | 1,261,887,000 | 1,289,481,000 |
| Total loans | 919,487,000 | 951,930,000 | 987,304,000 | 1,015,929,000 |
| Allowance for loan losses | 12,980,000 | 13,060,000 | 13,670,000 | 13,790,000 |
| Securities available for sale | 216,266,000 | 206,188,000 | 202,857,000 | 203,624,000 |
| Securities held to maturity | 7,654,000 | 6,410,000 | 6,208,000 | 5,000,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 894,882,000 | 886,312,000 | 936,049,000 | 960,127,000 |
| Interest-bearing deposits | 778,510,000 | 756,306,000 | 805,460,000 | 773,700,000 |
| Noninterest-bearing deposits | 116,372,000 | 130,007,000 | 130,589,000 | 186,427,000 |
| Equity capital | 108,926,000 | 109,765,000 | 114,294,000 | 116,816,000 |
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 | 15,457,000 | 31,387,000 | 47,846,000 | 64,973,000 |
| Interest expense | 5,872,000 | 11,629,000 | 17,605,000 | 23,900,000 |
| Net interest income | 9,585,000 | 19,758,000 | 30,241,000 | 41,073,000 |
| Noninterest income | 3,037,000 | 6,307,000 | 9,309,000 | 12,554,000 |
| Noninterest expense | 7,377,000 | 15,069,000 | 22,682,000 | 31,502,000 |
| Provision for loan losses | 354,000 | 515,000 | 1,117,000 | 1,470,000 |
| Pretax income | 4,891,000 | 10,481,000 | 15,751,000 | 20,655,000 |
| Income tax | 1,510,000 | 3,285,000 | 4,930,000 | 6,390,000 |
| Net income | 3,381,000 | 7,196,000 | 10,821,000 | 14,265,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 102,856,000 | 106,671,000 | 110,296,000 | 113,740,000 |
| Total capital | 113,193,000 | 117,498,000 | 121,464,000 | 125,211,000 |
| Risk-weighted assets | 824,311,000 | 863,936,000 | 890,913,000 | 915,325,000 |