Call reports 2004
HOME BANK AND TRUST COMPANY — 2004
What HOME BANK AND TRUST COMPANY 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 | 48,406,000 | 50,286,000 | 56,481,000 | 56,680,000 |
| Total loans | 37,125,000 | 39,573,000 | 39,144,000 | 39,838,000 |
| Allowance for loan losses | 411,000 | 374,000 | 377,000 | 374,000 |
| Securities available for sale | 6,352,000 | 5,508,000 | 7,549,000 | 10,054,000 |
| Securities held to maturity | 215,000 | 164,000 | 164,000 | 259,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 43,148,000 | 44,526,000 | 46,696,000 | 47,113,000 |
| Interest-bearing deposits | 36,913,000 | 37,684,000 | 39,377,000 | 39,739,000 |
| Noninterest-bearing deposits | 6,235,000 | 6,842,000 | 7,319,000 | 7,374,000 |
| Equity capital | 3,343,000 | 3,938,000 | 4,045,000 | 4,101,000 |
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 | 662,000 | 1,348,000 | 2,065,000 | 2,898,000 |
| Interest expense | 139,000 | 276,000 | 439,000 | 627,000 |
| Net interest income | 523,000 | 1,073,000 | 1,626,000 | 2,271,000 |
| Noninterest income | 114,000 | 242,000 | 366,000 | 485,000 |
| Noninterest expense | 465,000 | 946,000 | 1,449,000 | 2,009,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 172,000 | 368,000 | 543,000 | 747,000 |
| Income tax | 7,000 | 16,000 | 23,000 | 32,000 |
| Net income | 165,000 | 352,000 | 520,000 | 715,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,326,000 | 4,004,000 | 4,072,000 | 4,167,000 |
| Total capital | 3,737,000 | 4,378,000 | 4,449,000 | 4,541,000 |
| Risk-weighted assets | 35,454,000 | 37,693,000 | 38,639,000 | 39,348,000 |