Call reports 2007
HILLS BANK AND TRUST COMPANY — 2007
What HILLS BANK AND TRUST COMPANY reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 1,593,795,000 | 1,588,115,000 | 1,611,360,000 | 1,660,069,000 |
| Total loans | 1,307,033,000 | 1,317,220,000 | 1,348,278,000 | 1,379,096,000 |
| Allowance for loan losses | 18,322,000 | 18,827,000 | 19,484,000 | 19,705,000 |
| Securities available for sale | 181,407,000 | 186,857,000 | 193,098,000 | 199,599,000 |
| Securities held to maturity | 170,000 | 125,000 | 125,000 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 1,163,582,000 | 1,129,139,000 | 1,141,653,000 | 1,144,183,000 |
| Interest-bearing deposits | 1,024,653,000 | 989,435,000 | 1,004,048,000 | 989,964,000 |
| Noninterest-bearing deposits | 138,929,000 | 139,704,000 | 137,604,000 | 154,219,000 |
| Equity capital | 139,207,000 | 142,398,000 | 148,090,000 | 152,679,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 23,279,000 | 47,269,000 | 71,975,000 | 96,893,000 |
| Interest expense | 11,976,000 | 24,378,000 | 37,075,000 | 49,966,000 |
| Net interest income | 11,303,000 | 22,891,000 | 34,900,000 | 46,927,000 |
| Noninterest income | 3,553,000 | 7,624,000 | 11,779,000 | 15,692,000 |
| Noninterest expense | 8,459,000 | 17,223,000 | 26,139,000 | 35,554,000 |
| Provision for loan losses | 532,000 | 1,486,000 | 2,756,000 | 3,529,000 |
| Pretax income | 5,865,000 | 11,806,000 | 17,784,000 | 23,536,000 |
| Income tax | 1,820,000 | 3,650,000 | 5,490,000 | 7,227,000 |
| Net income | 4,045,000 | 8,156,000 | 12,294,000 | 16,309,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 137,767,000 | 141,879,000 | 146,016,000 | 149,532,000 |
| Total capital | 152,408,000 | 157,351,000 | 161,103,000 | 165,024,000 |
| Risk-weighted assets | 1,167,580,000 | 1,234,441,000 | 1,202,595,000 | 1,235,129,000 |