Call reports 2004
HILL BANK & TRUST CO. — 2004
What HILL BANK & TRUST CO. reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 94,968,000 | 93,290,000 | 94,764,000 | 94,061,000 |
| Total loans | 14,429,000 | 13,805,000 | 14,156,000 | 12,936,000 |
| Allowance for loan losses | 483,000 | 508,000 | 415,000 | 369,000 |
| Securities available for sale | 12,074,000 | 11,698,000 | 11,928,000 | 11,829,000 |
| Securities held to maturity | 59,456,000 | 64,055,000 | 63,961,000 | 61,962,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 75,898,000 | 74,627,000 | 76,621,000 | 76,789,000 |
| Interest-bearing deposits | 63,755,000 | 62,915,000 | 62,897,000 | 63,183,000 |
| Noninterest-bearing deposits | 12,143,000 | 11,712,000 | 13,724,000 | 13,606,000 |
| Equity capital | 18,407,000 | 18,311,000 | 17,619,000 | 16,769,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 854,000 | 1,736,000 | 2,622,000 | 3,502,000 |
| Interest expense | 231,000 | 451,000 | 676,000 | 918,000 |
| Net interest income | 623,000 | 1,285,000 | 1,946,000 | 2,584,000 |
| Noninterest income | 84,000 | 159,000 | 245,000 | 302,000 |
| Noninterest expense | 371,000 | 830,000 | 1,227,000 | 1,627,000 |
| Provision for loan losses | 0 | 0 | -100,000 | -150,000 |
| Pretax income | 336,000 | 614,000 | 1,064,000 | 1,409,000 |
| Income tax | 106,000 | 196,000 | 344,000 | 441,000 |
| Net income | 230,000 | 418,000 | 720,000 | 968,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 18,393,000 | 18,510,000 | 17,666,000 | 16,882,000 |
| Total capital | 18,767,000 | 18,874,000 | 18,025,000 | 17,231,000 |
| Risk-weighted assets | 29,826,000 | 28,993,000 | 28,697,000 | 27,869,000 |