Call reports 2008
HOME BANK AND TRUST COMPANY — 2008
What HOME BANK AND TRUST COMPANY reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 66,315,000 | 67,298,000 | 69,467,000 | 71,099,000 |
| Total loans | 39,899,000 | 42,225,000 | 45,444,000 | 46,070,000 |
| Allowance for loan losses | 390,000 | 383,000 | 387,000 | 388,000 |
| Securities available for sale | 7,541,000 | 6,522,000 | 6,924,000 | 6,277,000 |
| Securities held to maturity | 0 | 7,000 | 7,000 | 7,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 56,381,000 | 57,568,000 | 59,504,000 | 61,400,000 |
| Interest-bearing deposits | 46,820,000 | 47,645,000 | 48,427,000 | 50,588,000 |
| Noninterest-bearing deposits | 9,561,000 | 9,923,000 | 11,076,000 | 10,812,000 |
| Equity capital | 4,880,000 | 4,829,000 | 5,217,000 | 5,164,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 946,000 | 1,852,000 | 2,757,000 | 3,630,000 |
| Interest expense | 375,000 | 722,000 | 1,048,000 | 1,341,000 |
| Net interest income | 571,000 | 1,130,000 | 1,709,000 | 2,289,000 |
| Noninterest income | 136,000 | 277,000 | 418,000 | 559,000 |
| Noninterest expense | 674,000 | 1,351,000 | 2,008,000 | 2,729,000 |
| Provision for loan losses | 0 | 0 | 0 | 18,000 |
| Pretax income | 33,000 | 56,000 | 119,000 | 101,000 |
| Income tax | 0 | -23,000 | -23,000 | -23,000 |
| Net income | 33,000 | 79,000 | 142,000 | 124,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,845,000 | 4,831,000 | 5,234,000 | 5,130,000 |
| Total capital | 5,235,000 | 5,214,000 | 5,621,000 | 5,518,000 |
| Risk-weighted assets | 42,926,000 | 44,423,000 | 47,180,000 | 47,338,000 |