Call reports 2005
HOME BANK AND TRUST COMPANY — 2005
What HOME BANK AND TRUST COMPANY 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 | 55,733,000 | 57,568,000 | 60,190,000 | 63,047,000 |
| Total loans | 40,168,000 | 42,059,000 | 39,880,000 | 40,199,000 |
| Allowance for loan losses | 352,000 | 342,000 | 341,000 | 340,000 |
| Securities available for sale | 9,681,000 | 9,301,000 | 12,115,000 | 12,446,000 |
| Securities held to maturity | 107,000 | 179,000 | 177,000 | 127,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 46,293,000 | 48,130,000 | 48,801,000 | 51,939,000 |
| Interest-bearing deposits | 39,196,000 | 39,763,000 | 38,943,000 | 41,067,000 |
| Noninterest-bearing deposits | 7,097,000 | 8,367,000 | 9,858,000 | 10,872,000 |
| Equity capital | 4,139,000 | 4,281,000 | 4,374,000 | 4,440,000 |
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 | 759,000 | 1,544,000 | 2,373,000 | 3,240,000 |
| Interest expense | 187,000 | 392,000 | 622,000 | 872,000 |
| Net interest income | 572,000 | 1,152,000 | 1,751,000 | 2,368,000 |
| Noninterest income | 108,000 | 242,000 | 366,000 | 492,000 |
| Noninterest expense | 494,000 | 990,000 | 1,506,000 | 2,074,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 186,000 | 404,000 | 611,000 | 786,000 |
| Income tax | 8,000 | 17,000 | 26,000 | 33,000 |
| Net income | 178,000 | 387,000 | 585,000 | 753,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,245,000 | 4,354,000 | 4,452,000 | 4,521,000 |
| Total capital | 4,597,000 | 4,696,000 | 4,793,000 | 4,861,000 |
| Risk-weighted assets | 39,171,000 | 40,252,000 | 39,647,000 | 40,094,000 |