Call reports 2007
HOME BANK AND TRUST COMPANY — 2007
What HOME BANK AND TRUST COMPANY reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 65,201,000 | 63,946,000 | 65,944,000 | 63,272,000 |
| Total loans | 41,949,000 | 40,396,000 | 38,671,000 | 39,106,000 |
| Allowance for loan losses | 345,000 | 361,000 | 380,000 | 391,000 |
| Securities available for sale | 12,255,000 | 10,516,000 | 9,745,000 | 8,924,000 |
| Securities held to maturity | 103,000 | 97,000 | 82,000 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 54,408,000 | 53,327,000 | 55,542,000 | 53,050,000 |
| Interest-bearing deposits | 45,062,000 | 43,641,000 | 44,756,000 | 43,160,000 |
| Noninterest-bearing deposits | 9,346,000 | 9,686,000 | 10,786,000 | 9,890,000 |
| Equity capital | 4,961,000 | 4,964,000 | 4,904,000 | 4,906,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 1,058,000 | 2,067,000 | 3,098,000 | 4,094,000 |
| Interest expense | 406,000 | 827,000 | 1,251,000 | 1,651,000 |
| Net interest income | 652,000 | 1,240,000 | 1,847,000 | 2,443,000 |
| Noninterest income | 113,000 | 255,000 | 392,000 | 522,000 |
| Noninterest expense | 568,000 | 1,152,000 | 1,810,000 | 2,482,000 |
| Provision for loan losses | 18,000 | 36,000 | 54,000 | 72,000 |
| Pretax income | 179,000 | 307,000 | 375,000 | 411,000 |
| Income tax | 10,000 | 14,000 | 16,000 | 17,000 |
| Net income | 169,000 | 293,000 | 359,000 | 394,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,974,000 | 4,997,000 | 4,964,000 | 4,899,000 |
| Total capital | 5,319,000 | 5,358,000 | 5,344,000 | 5,290,000 |
| Risk-weighted assets | 43,970,000 | 43,623,000 | 43,249,000 | 42,687,000 |