Call reports 2008
HILLS BANK AND TRUST COMPANY — 2008
What HILLS BANK AND TRUST COMPANY reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 1,678,922,000 | 1,705,760,000 | 1,726,372,000 | 1,779,544,000 |
| Total loans | 1,399,020,000 | 1,430,290,000 | 1,456,915,000 | 1,505,990,000 |
| Allowance for loan losses | 19,790,000 | 24,550,000 | 24,070,000 | 27,660,000 |
| Securities available for sale | 201,757,000 | 202,484,000 | 195,263,000 | 200,312,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 1,191,294,000 | 1,168,349,000 | 1,194,384,000 | 1,238,098,000 |
| Interest-bearing deposits | 1,039,953,000 | 1,006,278,000 | 1,034,000,000 | 1,068,799,000 |
| Noninterest-bearing deposits | 151,341,000 | 162,071,000 | 160,383,000 | 169,299,000 |
| Equity capital | 155,615,000 | 154,262,000 | 158,542,000 | 162,944,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 24,414,000 | 48,346,000 | 72,572,000 | 96,820,000 |
| Interest expense | 12,070,000 | 22,934,000 | 33,305,000 | 43,481,000 |
| Net interest income | 12,344,000 | 25,412,000 | 39,267,000 | 53,339,000 |
| Noninterest income | 4,368,000 | 8,687,000 | 12,830,000 | 16,967,000 |
| Noninterest expense | 9,079,000 | 19,010,000 | 29,160,000 | 38,847,000 |
| Provision for loan losses | 587,000 | 5,759,000 | 6,785,000 | 11,508,000 |
| Pretax income | 7,046,000 | 9,330,000 | 16,152,000 | 19,951,000 |
| Income tax | 2,210,000 | 2,596,000 | 4,680,000 | 5,645,000 |
| Net income | 4,836,000 | 6,734,000 | 11,472,000 | 14,306,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 150,076,000 | 151,174,000 | 155,160,000 | 156,795,000 |
| Total capital | 166,199,000 | 167,760,000 | 172,024,000 | 174,154,000 |
| Risk-weighted assets | 1,286,157,000 | 1,318,915,000 | 1,341,910,000 | 1,378,401,000 |