Call reports 2004
HILLTOP COMMUNITY BANK — 2004
What HILLTOP COMMUNITY 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 | 128,057,000 | 128,550,000 | 135,852,000 | 129,695,000 |
| Total loans | 54,352,000 | 57,183,000 | 61,024,000 | 67,036,000 |
| Allowance for loan losses | 749,000 | 794,000 | 839,000 | 884,000 |
| Securities available for sale | 45,823,000 | 36,367,000 | 39,472,000 | 34,173,000 |
| Securities held to maturity | 20,445,000 | 19,488,000 | 17,185,000 | 16,827,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 113,109,000 | 110,511,000 | 116,413,000 | 110,700,000 |
| Interest-bearing deposits | 96,468,000 | 91,927,000 | 92,227,000 | 89,388,000 |
| Noninterest-bearing deposits | 16,641,000 | 18,584,000 | 24,186,000 | 21,312,000 |
| Equity capital | 11,445,000 | 11,464,000 | 12,063,000 | 12,085,000 |
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 | 1,263,000 | 2,523,000 | 3,887,000 | 5,327,000 |
| Interest expense | 284,000 | 565,000 | 894,000 | 1,274,000 |
| Net interest income | 979,000 | 1,958,000 | 2,993,000 | 4,053,000 |
| Noninterest income | 33,000 | 75,000 | 116,000 | 155,000 |
| Noninterest expense | 830,000 | 1,691,000 | 2,651,000 | 3,605,000 |
| Provision for loan losses | 45,000 | 90,000 | 135,000 | 180,000 |
| Pretax income | 141,000 | 252,000 | 323,000 | 173,000 |
| Income tax | 0 | -200,000 | -585,000 | -636,000 |
| Net income | 141,000 | 452,000 | 908,000 | 809,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,859,000 | 11,238,000 | 11,700,000 | 11,213,000 |
| Total capital | 11,608,000 | 12,032,000 | 12,539,000 | 12,097,000 |
| Risk-weighted assets | 94,610,000 | 92,826,000 | 100,213,000 | 90,062,000 |