Call reports 2004
HILLSBORO BANK — 2004
What HILLSBORO BANK 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 | 63,328,000 | 68,187,000 | 67,193,000 | 67,455,000 |
| Total loans | 31,947,000 | 31,247,000 | 33,680,000 | 37,169,000 |
| Allowance for loan losses | 475,000 | 520,000 | 512,000 | 487,000 |
| Securities available for sale | 11,784,000 | 10,183,000 | 13,857,000 | 13,315,000 |
| Securities held to maturity | 7,663,000 | 13,704,000 | 13,109,000 | 12,656,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 54,437,000 | 59,256,000 | 58,088,000 | 57,877,000 |
| Interest-bearing deposits | 36,047,000 | 41,955,000 | 43,046,000 | 39,785,000 |
| Noninterest-bearing deposits | 18,390,000 | 17,301,000 | 15,042,000 | 18,092,000 |
| Equity capital | 8,394,000 | 8,385,000 | 8,698,000 | 8,909,000 |
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 | 777,000 | 1,516,000 | 2,305,000 | 3,144,000 |
| Interest expense | 134,000 | 272,000 | 417,000 | 564,000 |
| Net interest income | 643,000 | 1,244,000 | 1,888,000 | 2,580,000 |
| Noninterest income | 73,000 | 150,000 | 226,000 | 295,000 |
| Noninterest expense | 400,000 | 826,000 | 1,220,000 | 1,634,000 |
| Provision for loan losses | 7,000 | 7,000 | 21,000 | 21,000 |
| Pretax income | 309,000 | 561,000 | 873,000 | 1,220,000 |
| Income tax | 105,000 | 189,000 | 296,000 | 417,000 |
| Net income | 204,000 | 372,000 | 577,000 | 803,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,321,000 | 8,488,000 | 8,694,000 | 8,919,000 |
| Total capital | 8,796,000 | 8,982,000 | 9,206,000 | 9,406,000 |
| Risk-weighted assets | 38,923,000 | 39,478,000 | 41,129,000 | 43,738,000 |