Call reports 2003
HOME BANK AND TRUST COMPANY — 2003
What HOME BANK AND TRUST COMPANY reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 49,011,000 | 48,288,000 | 49,168,000 | 48,953,000 |
| Total loans | 35,969,000 | 36,093,000 | 36,275,000 | 35,824,000 |
| Allowance for loan losses | 375,000 | 377,000 | 388,000 | 414,000 |
| Securities available for sale | 5,357,000 | 5,371,000 | 5,837,000 | 7,047,000 |
| Securities held to maturity | 517,000 | 477,000 | 374,000 | 215,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 44,627,000 | 43,801,000 | 43,699,000 | 43,642,000 |
| Interest-bearing deposits | 38,837,000 | 37,924,000 | 37,324,000 | 37,292,000 |
| Noninterest-bearing deposits | 5,790,000 | 5,877,000 | 6,375,000 | 6,350,000 |
| Equity capital | 3,168,000 | 3,278,000 | 3,314,000 | 3,277,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 686,000 | 1,374,000 | 2,051,000 | 2,779,000 |
| Interest expense | 167,000 | 329,000 | 484,000 | 633,000 |
| Net interest income | 519,000 | 1,045,000 | 1,567,000 | 2,146,000 |
| Noninterest income | 132,000 | 289,000 | 450,000 | 507,000 |
| Noninterest expense | 497,000 | 940,000 | 1,435,000 | 1,944,000 |
| Provision for loan losses | 15,000 | 29,000 | 45,000 | 75,000 |
| Pretax income | 139,000 | 365,000 | 537,000 | 634,000 |
| Income tax | 6,000 | 8,000 | 16,000 | 26,000 |
| Net income | 133,000 | 357,000 | 521,000 | 608,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,168,000 | 3,278,000 | 3,307,000 | 3,272,000 |
| Total capital | 3,543,000 | 3,655,000 | 3,695,000 | 3,686,000 |
| Risk-weighted assets | 34,778,000 | 35,290,000 | 34,838,000 | 34,654,000 |