Call reports 2006
HOME BANK AND TRUST COMPANY — 2006
What HOME BANK AND TRUST COMPANY reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 61,288,000 | 60,654,000 | 64,054,000 | 66,487,000 |
| Total loans | 41,762,000 | 42,310,000 | 41,616,000 | 42,424,000 |
| Allowance for loan losses | 336,000 | 332,000 | 329,000 | 327,000 |
| Securities available for sale | 11,871,000 | 10,156,000 | 10,367,000 | 10,866,000 |
| Securities held to maturity | 120,000 | 116,000 | 113,000 | 84,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 49,266,000 | 49,709,000 | 53,118,000 | 55,675,000 |
| Interest-bearing deposits | 40,502,000 | 41,121,000 | 43,237,000 | 35,152,000 |
| Noninterest-bearing deposits | 8,764,000 | 8,588,000 | 9,881,000 | 20,523,000 |
| Equity capital | 4,541,000 | 4,643,000 | 4,818,000 | 4,888,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 892,000 | 1,831,000 | 2,822,000 | 3,877,000 |
| Interest expense | 305,000 | 644,000 | 998,000 | 1,377,000 |
| Net interest income | 587,000 | 1,187,000 | 1,824,000 | 2,500,000 |
| Noninterest income | 116,000 | 269,000 | 403,000 | 502,000 |
| Noninterest expense | 494,000 | 1,005,000 | 1,533,000 | 2,136,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 209,000 | 451,000 | 694,000 | 866,000 |
| Income tax | 9,000 | 19,000 | 29,000 | 36,000 |
| Net income | 200,000 | 432,000 | 665,000 | 830,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,621,000 | 4,706,000 | 4,840,000 | 4,904,000 |
| Total capital | 4,957,000 | 5,038,000 | 5,169,000 | 5,231,000 |
| Risk-weighted assets | 42,210,000 | 41,089,000 | 41,486,000 | 42,958,000 |