Call reports 2006
HILLSBORO BANK — 2006
What HILLSBORO BANK reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 78,974,000 | 76,518,000 | 74,964,000 | 79,888,000 |
| Total loans | 38,790,000 | 41,101,000 | 45,072,000 | 50,064,000 |
| Allowance for loan losses | 465,000 | 495,000 | 506,000 | 549,000 |
| Securities available for sale | 12,603,000 | 12,280,000 | 8,651,000 | 7,390,000 |
| Securities held to maturity | 12,197,000 | 14,464,000 | 14,100,000 | 13,449,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 68,190,000 | 66,354,000 | 64,253,000 | 69,018,000 |
| Interest-bearing deposits | 41,085,000 | 44,618,000 | 45,171,000 | 50,845,000 |
| Noninterest-bearing deposits | 27,105,000 | 21,736,000 | 19,082,000 | 18,173,000 |
| Equity capital | 9,471,000 | 9,704,000 | 10,071,000 | 10,333,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 1,052,000 | 2,184,000 | 3,352,000 | 4,616,000 |
| Interest expense | 249,000 | 537,000 | 874,000 | 1,312,000 |
| Net interest income | 803,000 | 1,647,000 | 2,478,000 | 3,304,000 |
| Noninterest income | 63,000 | 128,000 | 187,000 | 253,000 |
| Noninterest expense | 498,000 | 1,005,000 | 1,490,000 | 1,964,000 |
| Provision for loan losses | 0 | 0 | 2,000 | 53,000 |
| Pretax income | 368,000 | 770,000 | 1,173,000 | 1,540,000 |
| Income tax | 129,000 | 267,000 | 401,000 | 522,000 |
| Net income | 239,000 | 503,000 | 772,000 | 1,018,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,577,000 | 9,841,000 | 10,110,000 | 10,356,000 |
| Total capital | 10,042,000 | 10,336,000 | 10,616,000 | 10,905,000 |
| Risk-weighted assets | 47,284,000 | 48,266,000 | 50,559,000 | 55,755,000 |