Call reports 2006
HILLS BANK AND TRUST COMPANY — 2006
What HILLS BANK AND TRUST COMPANY reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 1,471,717,000 | 1,510,892,000 | 1,534,803,000 | 1,550,565,000 |
| Total loans | 1,192,115,000 | 1,246,416,000 | 1,271,005,000 | 1,300,766,000 |
| Allowance for loan losses | 15,890,000 | 16,899,000 | 17,328,000 | 17,730,000 |
| Securities available for sale | 195,159,000 | 188,679,000 | 185,446,000 | 178,058,000 |
| Securities held to maturity | 215,000 | 170,000 | 170,000 | 170,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 1,079,339,000 | 1,076,746,000 | 1,079,328,000 | 1,108,392,000 |
| Interest-bearing deposits | 935,979,000 | 934,314,000 | 943,226,000 | 965,118,000 |
| Noninterest-bearing deposits | 143,360,000 | 142,432,000 | 136,102,000 | 143,274,000 |
| Equity capital | 126,240,000 | 129,216,000 | 135,291,000 | 138,834,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 20,195,000 | 41,742,000 | 64,329,000 | 87,502,000 |
| Interest expense | 9,201,000 | 19,418,000 | 30,605,000 | 42,520,000 |
| Net interest income | 10,994,000 | 22,324,000 | 33,724,000 | 44,982,000 |
| Noninterest income | 3,408,000 | 7,144,000 | 10,852,000 | 14,402,000 |
| Noninterest expense | 7,970,000 | 16,484,000 | 24,850,000 | 33,776,000 |
| Provision for loan losses | 655,000 | 1,709,000 | 2,141,000 | 3,011,000 |
| Pretax income | 5,777,000 | 11,275,000 | 17,585,000 | 22,597,000 |
| Income tax | 1,800,000 | 3,490,000 | 5,490,000 | 6,970,000 |
| Net income | 3,977,000 | 7,785,000 | 12,095,000 | 15,627,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 125,949,000 | 129,757,000 | 134,067,000 | 137,599,000 |
| Total capital | 139,223,000 | 143,566,000 | 148,146,000 | 151,982,000 |
| Risk-weighted assets | 1,059,310,000 | 1,101,658,000 | 1,123,049,000 | 1,147,282,000 |