Call reports 2003
HILLSBORO BANK — 2003
What HILLSBORO BANK 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 | 56,003,000 | 58,456,000 | 57,897,000 | 59,137,000 |
| Total loans | 30,835,000 | 31,290,000 | 32,058,000 | 37,234,000 |
| Allowance for loan losses | 436,000 | 438,000 | 416,000 | 475,000 |
| Securities available for sale | 15,639,000 | 18,801,000 | 16,630,000 | 8,746,000 |
| Securities held to maturity | 2,705,000 | 2,025,000 | 1,473,000 | 8,086,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 47,882,000 | 50,113,000 | 49,519,000 | 50,549,000 |
| Interest-bearing deposits | 34,867,000 | 35,468,000 | 37,122,000 | 36,638,000 |
| Noninterest-bearing deposits | 13,015,000 | 14,645,000 | 12,397,000 | 13,911,000 |
| Equity capital | 7,735,000 | 7,985,000 | 7,953,000 | 8,147,000 |
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 | 739,000 | 1,471,000 | 2,175,000 | 2,936,000 |
| Interest expense | 213,000 | 405,000 | 569,000 | 715,000 |
| Net interest income | 526,000 | 1,066,000 | 1,606,000 | 2,221,000 |
| Noninterest income | 74,000 | 150,000 | 219,000 | 297,000 |
| Noninterest expense | 371,000 | 724,000 | 1,100,000 | 1,470,000 |
| Provision for loan losses | 3,000 | 3,000 | 24,000 | 111,000 |
| Pretax income | 226,000 | 489,000 | 701,000 | 937,000 |
| Income tax | 74,000 | 162,000 | 230,000 | 308,000 |
| Net income | 152,000 | 327,000 | 471,000 | 629,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,640,000 | 7,815,000 | 7,959,000 | 8,117,000 |
| Total capital | 8,076,000 | 8,253,000 | 8,375,000 | 8,592,000 |
| Risk-weighted assets | 40,517,000 | 37,620,000 | 37,906,000 | 42,248,000 |