Call reports 2002
HOME BANK AND TRUST COMPANY — 2002
What HOME BANK AND TRUST COMPANY reported to the FFIEC in 2002, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Total assets | 44,925,000 | 45,802,000 | 43,278,000 | 48,298,000 |
| Total loans | 30,601,000 | 33,795,000 | 33,756,000 | 35,461,000 |
| Allowance for loan losses | 359,000 | 350,000 | 348,000 | 348,000 |
| Securities available for sale | 8,808,000 | 5,840,000 | 4,390,000 | 4,287,000 |
| Securities held to maturity | 767,000 | 699,000 | 569,000 | 516,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 41,474,000 | 39,367,000 | 38,863,000 | 43,953,000 |
| Interest-bearing deposits | 36,394,000 | 34,485,000 | 33,191,000 | 37,574,000 |
| Noninterest-bearing deposits | 5,080,000 | 4,882,000 | 5,672,000 | 6,379,000 |
| Equity capital | 3,195,000 | 3,217,000 | 3,215,000 | 3,164,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Interest income | 723,000 | 1,438,000 | 2,143,000 | 2,834,000 |
| Interest expense | 189,000 | 366,000 | 544,000 | 713,000 |
| Net interest income | 534,000 | 1,072,000 | 1,599,000 | 2,121,000 |
| Noninterest income | 128,000 | 276,000 | 426,000 | 568,000 |
| Noninterest expense | 487,000 | 960,000 | 1,461,000 | 2,017,000 |
| Provision for loan losses | 11,000 | 25,000 | 34,000 | 46,000 |
| Pretax income | 164,000 | 363,000 | 530,000 | 626,000 |
| Income tax | 8,000 | 16,000 | 22,000 | 26,000 |
| Net income | 156,000 | 347,000 | 508,000 | 600,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,139,000 | 3,191,000 | 3,212,000 | 3,164,000 |
| Total capital | 3,498,000 | 3,541,000 | 3,560,000 | 3,512,000 |
| Risk-weighted assets | 29,579,000 | 32,049,000 | 31,532,000 | 33,838,000 |