Call reports 2016
HILLS BANK AND TRUST COMPANY — 2016
What HILLS BANK AND TRUST COMPANY reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 2,597,724,000 | 2,519,882,000 | 2,593,974,000 | 2,654,140,000 |
| Total loans | 2,142,777,000 | 2,177,994,000 | 2,236,237,000 | 2,287,781,000 |
| Allowance for loan losses | 27,130,000 | 27,290,000 | 26,140,000 | 26,530,000 |
| Securities available for sale | 263,911,000 | 247,998,000 | 250,615,000 | 267,538,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 1,980,265,000 | 1,896,818,000 | 1,997,115,000 | 2,037,379,000 |
| Interest-bearing deposits | 1,683,342,000 | 1,592,391,000 | 1,673,489,000 | 1,688,350,000 |
| Noninterest-bearing deposits | 296,923,000 | 304,427,000 | 323,626,000 | 349,029,000 |
| Equity capital | 309,536,000 | 317,838,000 | 326,340,000 | 330,506,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 23,755,000 | 47,811,000 | 72,592,000 | 97,677,000 |
| Interest expense | 4,084,000 | 8,171,000 | 12,093,000 | 16,087,000 |
| Net interest income | 19,671,000 | 39,640,000 | 60,499,000 | 81,590,000 |
| Noninterest income | 4,827,000 | 9,851,000 | 15,303,000 | 20,461,000 |
| Noninterest expense | 12,861,000 | 26,764,000 | 41,204,000 | 56,695,000 |
| Provision for loan losses | 549,000 | -172,000 | -2,005,000 | -1,163,000 |
| Pretax income | 11,088,000 | 22,899,000 | 36,603,000 | 46,519,000 |
| Income tax | 3,461,000 | 7,228,000 | 11,669,000 | 14,686,000 |
| Net income | 7,627,000 | 15,671,000 | 24,934,000 | 31,833,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 308,686,000 | 316,680,000 | 325,547,000 | 331,365,000 |
| Total capital | 334,982,000 | 343,479,000 | 351,687,000 | 357,895,000 |
| Risk-weighted assets | 2,102,844,000 | 2,143,421,000 | 2,156,899,000 | 2,209,056,000 |