Call reports 2008
HILLSBORO BANK — 2008
What HILLSBORO BANK 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 | 84,651,000 | 87,021,000 | 86,347,000 | 85,019,000 |
| Total loans | 49,005,000 | 51,317,000 | 51,706,000 | 53,305,000 |
| Allowance for loan losses | 555,000 | 572,000 | 584,000 | 599,000 |
| Securities available for sale | 13,503,000 | 13,887,000 | 12,510,000 | 12,840,000 |
| Securities held to maturity | 10,819,000 | 12,062,000 | 11,433,000 | 11,896,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 72,225,000 | 74,867,000 | 74,179,000 | 70,906,000 |
| Interest-bearing deposits | 51,622,000 | 56,472,000 | 57,910,000 | 51,998,000 |
| Noninterest-bearing deposits | 20,603,000 | 18,395,000 | 16,269,000 | 18,908,000 |
| Equity capital | 11,881,000 | 11,575,000 | 11,635,000 | 12,333,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 1,256,000 | 2,520,000 | 3,791,000 | 5,048,000 |
| Interest expense | 447,000 | 849,000 | 1,245,000 | 1,594,000 |
| Net interest income | 809,000 | 1,671,000 | 2,546,000 | 3,454,000 |
| Noninterest income | 60,000 | 132,000 | 196,000 | 267,000 |
| Noninterest expense | 594,000 | 1,188,000 | 1,788,000 | 2,401,000 |
| Provision for loan losses | 0 | 12,000 | 103,000 | 243,000 |
| Pretax income | 275,000 | 620,000 | 883,000 | 1,109,000 |
| Income tax | 79,000 | 183,000 | 257,000 | 317,000 |
| Net income | 196,000 | 437,000 | 626,000 | 792,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,591,000 | 11,556,000 | 11,745,000 | 12,124,000 |
| Total capital | 12,146,000 | 12,128,000 | 12,329,000 | 12,723,000 |
| Risk-weighted assets | 58,074,000 | 60,574,000 | 60,537,000 | 61,364,000 |