Call reports 2005
HILLTOP COMMUNITY BANK — 2005
What HILLTOP COMMUNITY BANK reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 127,187,000 | 156,931,000 | 157,928,000 | 152,472,000 |
| Total loans | 73,507,000 | 80,193,000 | 85,107,000 | 92,002,000 |
| Allowance for loan losses | 929,000 | 974,000 | 1,034,000 | 1,094,000 |
| Securities available for sale | 28,456,000 | 32,318,000 | 35,291,000 | 33,677,000 |
| Securities held to maturity | 15,083,000 | 13,319,000 | 12,577,000 | 12,510,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 109,604,000 | 139,973,000 | 140,420,000 | 136,676,000 |
| Interest-bearing deposits | 87,368,000 | 130,359,000 | 130,767,000 | 127,345,000 |
| Noninterest-bearing deposits | 22,236,000 | 9,614,000 | 9,653,000 | 9,331,000 |
| Equity capital | 11,868,000 | 12,061,000 | 11,960,000 | 12,045,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 1,480,000 | 3,078,000 | 4,972,000 | 6,973,000 |
| Interest expense | 416,000 | 928,000 | 1,632,000 | 2,412,000 |
| Net interest income | 1,064,000 | 2,150,000 | 3,340,000 | 4,561,000 |
| Noninterest income | 47,000 | 94,000 | 148,000 | 203,000 |
| Noninterest expense | 1,040,000 | 2,075,000 | 3,129,000 | 4,120,000 |
| Provision for loan losses | 45,000 | 90,000 | 150,000 | 210,000 |
| Pretax income | 17,000 | 70,000 | 200,000 | 425,000 |
| Income tax | 7,000 | 28,000 | 80,000 | 170,000 |
| Net income | 10,000 | 42,000 | 120,000 | 255,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,254,000 | 11,345,000 | 11,468,000 | 11,936,000 |
| Total capital | 12,183,000 | 12,319,000 | 12,502,000 | 13,030,000 |
| Risk-weighted assets | 93,617,000 | 107,973,000 | 111,106,000 | 112,611,000 |