Call reports 2009
HOME BANK AND TRUST COMPANY — 2009
What HOME BANK AND TRUST COMPANY reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 67,877,000 | 73,272,000 | 76,523,000 | 81,396,000 |
| Total loans | 46,937,000 | 48,852,000 | 49,273,000 | 50,108,000 |
| Allowance for loan losses | 272,000 | 266,000 | 281,000 | 275,000 |
| Securities available for sale | 5,266,000 | 5,120,000 | 6,076,000 | 6,295,000 |
| Securities held to maturity | 7,000 | 6,000 | 6,000 | 5,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 57,207,000 | 57,993,000 | 61,589,000 | 66,843,000 |
| Interest-bearing deposits | 47,174,000 | 48,112,000 | 51,133,000 | 52,267,000 |
| Noninterest-bearing deposits | 10,033,000 | 9,881,000 | 10,455,000 | 14,576,000 |
| Equity capital | 5,122,000 | 5,161,000 | 5,162,000 | 5,176,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 844,000 | 1,705,000 | 2,582,000 | 3,461,000 |
| Interest expense | 242,000 | 465,000 | 740,000 | 1,024,000 |
| Net interest income | 602,000 | 1,240,000 | 1,842,000 | 2,437,000 |
| Noninterest income | 124,000 | 286,000 | 427,000 | 585,000 |
| Noninterest expense | 680,000 | 1,367,000 | 2,039,000 | 2,701,000 |
| Provision for loan losses | 0 | 0 | 15,000 | 35,000 |
| Pretax income | 46,000 | 159,000 | 215,000 | 286,000 |
| Income tax | 0 | 0 | -22,000 | -22,000 |
| Net income | 46,000 | 159,000 | 237,000 | 308,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,110,000 | 5,157,000 | 5,157,000 | 5,185,000 |
| Total capital | 5,382,000 | 5,423,000 | 5,438,000 | 5,460,000 |
| Risk-weighted assets | 48,764,000 | 50,896,000 | 51,168,000 | 52,903,000 |