Call reports 2005
HILLS BANK AND TRUST COMPANY — 2005
What HILLS BANK AND TRUST COMPANY reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 1,329,025,000 | 1,366,488,000 | 1,404,650,000 | 1,433,095,000 |
| Total loans | 1,033,383,000 | 1,077,531,000 | 1,117,413,000 | 1,157,438,000 |
| Allowance for loan losses | 13,750,000 | 14,370,000 | 14,610,000 | 15,020,000 |
| Securities available for sale | 202,893,000 | 202,777,000 | 203,236,000 | 196,786,000 |
| Securities held to maturity | 5,000,000 | 690,000 | 315,000 | 215,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 1,016,700,000 | 1,004,916,000 | 1,040,929,000 | 1,040,349,000 |
| Interest-bearing deposits | 883,744,000 | 873,825,000 | 900,564,000 | 893,550,000 |
| Noninterest-bearing deposits | 132,956,000 | 131,091,000 | 140,365,000 | 146,799,000 |
| Equity capital | 115,980,000 | 120,615,000 | 123,583,000 | 126,385,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 17,047,000 | 35,173,000 | 54,203,000 | 74,163,000 |
| Interest expense | 6,378,000 | 13,652,000 | 21,679,000 | 30,433,000 |
| Net interest income | 10,669,000 | 21,521,000 | 32,524,000 | 43,730,000 |
| Noninterest income | 3,017,000 | 6,173,000 | 9,551,000 | 12,942,000 |
| Noninterest expense | 7,585,000 | 15,501,000 | 23,786,000 | 32,241,000 |
| Provision for loan losses | 10,000 | 759,000 | 998,000 | 2,101,000 |
| Pretax income | 6,091,000 | 11,200,000 | 17,057,000 | 22,096,000 |
| Income tax | 1,920,000 | 3,450,000 | 5,265,000 | 6,755,000 |
| Net income | 4,171,000 | 7,750,000 | 11,792,000 | 15,341,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 114,498,000 | 118,077,000 | 122,119,000 | 125,668,000 |
| Total capital | 126,217,000 | 130,265,000 | 134,639,000 | 138,582,000 |
| Risk-weighted assets | 935,474,000 | 972,869,000 | 999,495,000 | 1,030,983,000 |