Call reports 2003
HILL BANK & TRUST CO. — 2003
What HILL BANK & TRUST CO. reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 96,531,000 | 93,966,000 | 95,893,000 | 96,189,000 |
| Total loans | 15,754,000 | 15,414,000 | 15,104,000 | 14,014,000 |
| Allowance for loan losses | 506,000 | 513,000 | 522,000 | 467,000 |
| Securities available for sale | 13,023,000 | 11,258,000 | 12,446,000 | 12,100,000 |
| Securities held to maturity | 57,996,000 | 43,759,000 | 58,104,000 | 62,209,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 78,160,000 | 75,677,000 | 77,547,000 | 77,478,000 |
| Interest-bearing deposits | 66,353,000 | 63,353,000 | 64,682,000 | 64,872,000 |
| Noninterest-bearing deposits | 11,807,000 | 12,324,000 | 12,865,000 | 12,606,000 |
| Equity capital | 17,784,000 | 17,821,000 | 17,907,000 | 18,217,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 974,000 | 1,895,000 | 2,768,000 | 3,633,000 |
| Interest expense | 338,000 | 626,000 | 879,000 | 1,117,000 |
| Net interest income | 636,000 | 1,269,000 | 1,889,000 | 2,516,000 |
| Noninterest income | 88,000 | 164,000 | 234,000 | 288,000 |
| Noninterest expense | 393,000 | 791,000 | 1,154,000 | 1,561,000 |
| Provision for loan losses | 0 | 0 | 0 | -180,000 |
| Pretax income | 331,000 | 642,000 | 969,000 | 1,423,000 |
| Income tax | 100,000 | 194,000 | 296,000 | 429,000 |
| Net income | 231,000 | 448,000 | 673,000 | 994,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 17,730,000 | 17,793,000 | 17,964,000 | 18,285,000 |
| Total capital | 18,132,000 | 18,178,000 | 18,355,000 | 18,660,000 |
| Risk-weighted assets | 32,016,000 | 30,637,000 | 31,169,000 | 29,890,000 |