Call reports 2008
HILL BANK & TRUST CO. — 2008
What HILL BANK & TRUST CO. 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 | 91,616,000 | 90,831,000 | 90,976,000 | 91,283,000 |
| Total loans | 13,233,000 | 12,545,000 | 12,396,000 | 11,298,000 |
| Allowance for loan losses | 385,000 | 387,000 | 388,000 | 319,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 64,096,000 | 71,096,000 | 62,097,000 | 64,275,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 72,794,000 | 71,955,000 | 71,892,000 | 72,322,000 |
| Interest-bearing deposits | 56,548,000 | 56,030,000 | 55,366,000 | 55,850,000 |
| Noninterest-bearing deposits | 16,246,000 | 15,925,000 | 16,526,000 | 16,472,000 |
| Equity capital | 18,216,000 | 18,360,000 | 18,547,000 | 18,414,000 |
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 | 961,000 | 1,872,000 | 2,735,000 | 3,577,000 |
| Interest expense | 410,000 | 758,000 | 1,073,000 | 1,338,000 |
| Net interest income | 551,000 | 1,114,000 | 1,662,000 | 2,239,000 |
| Noninterest income | 105,000 | 193,000 | 303,000 | 333,000 |
| Noninterest expense | 392,000 | 831,000 | 1,215,000 | 1,559,000 |
| Provision for loan losses | 0 | 0 | 0 | -75,000 |
| Pretax income | 264,000 | 476,000 | 750,000 | 1,088,000 |
| Income tax | 82,000 | 151,000 | 238,000 | 313,000 |
| Net income | 182,000 | 325,000 | 512,000 | 775,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 18,216,000 | 18,360,000 | 18,547,000 | 18,414,000 |
| Total capital | 18,557,000 | 18,697,000 | 18,880,000 | 18,733,000 |
| Risk-weighted assets | 27,226,000 | 26,916,000 | 26,569,000 | 26,044,000 |