Call reports 2008
HANCOCK BANK & TRUST COMPANY — 2008
What HANCOCK BANK & 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 | 292,797,000 | 279,529,000 | 290,921,000 | 300,361,000 |
| Total loans | 201,601,000 | 211,111,000 | 221,901,000 | 230,313,000 |
| Allowance for loan losses | 2,044,000 | 2,231,000 | 2,461,000 | 2,680,000 |
| Securities available for sale | 70,431,000 | 51,057,000 | 50,290,000 | 55,119,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 252,063,000 | 241,835,000 | 252,476,000 | 261,564,000 |
| Interest-bearing deposits | 230,392,000 | 221,765,000 | 231,750,000 | 238,844,000 |
| Noninterest-bearing deposits | 21,671,000 | 20,070,000 | 20,726,000 | 22,720,000 |
| Equity capital | 24,945,000 | 24,175,000 | 24,993,000 | 25,904,000 |
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 | 3,213,000 | 7,440,000 | 11,742,000 | 16,112,000 |
| Interest expense | 1,696,000 | 3,648,000 | 5,660,000 | 7,845,000 |
| Net interest income | 1,517,000 | 3,792,000 | 6,082,000 | 8,267,000 |
| Noninterest income | 136,000 | 373,000 | 626,000 | 835,000 |
| Noninterest expense | 1,104,000 | 2,935,000 | 4,828,000 | 6,905,000 |
| Provision for loan losses | 90,000 | 245,000 | 540,000 | 940,000 |
| Pretax income | 459,000 | 1,028,000 | 1,392,000 | 1,309,000 |
| Income tax | -50,000 | -50,000 | -50,000 | -50,000 |
| Net income | 509,000 | 1,078,000 | 1,442,000 | 1,359,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 22,416,000 | 23,004,000 | 23,386,000 | 23,319,000 |
| Total capital | 24,460,000 | 25,168,000 | 25,662,000 | 25,713,000 |
| Risk-weighted assets | 169,403,000 | 173,083,000 | 181,878,000 | 191,198,000 |