Call reports 2003
ROLLING HILLS BANK & TRUST — 2003
What ROLLING HILLS BANK & TRUST reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 73,634,000 | 75,667,000 | 73,907,000 | 95,286,000 |
| Total loans | 48,705,000 | 51,516,000 | 55,042,000 | 62,372,000 |
| Allowance for loan losses | 671,000 | 715,000 | 723,000 | 753,000 |
| Securities available for sale | 6,639,000 | 5,180,000 | 4,157,000 | 9,172,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 61,667,000 | 63,110,000 | 61,208,000 | 80,812,000 |
| Interest-bearing deposits | 51,570,000 | 53,247,000 | 50,956,000 | 65,822,000 |
| Noninterest-bearing deposits | 10,097,000 | 9,863,000 | 10,252,000 | 14,990,000 |
| Equity capital | 8,902,000 | 9,535,000 | 9,740,000 | 11,357,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 960,000 | 1,951,000 | 2,953,000 | 3,986,000 |
| Interest expense | 325,000 | 628,000 | 902,000 | 1,176,000 |
| Net interest income | 635,000 | 1,323,000 | 2,051,000 | 2,810,000 |
| Noninterest income | 129,000 | 275,000 | 443,000 | 628,000 |
| Noninterest expense | 515,000 | 1,048,000 | 1,588,000 | 2,168,000 |
| Provision for loan losses | 0 | 7,000 | 15,000 | 35,000 |
| Pretax income | 249,000 | 543,000 | 891,000 | 1,235,000 |
| Income tax | 82,000 | 181,000 | 301,000 | 419,000 |
| Net income | 167,000 | 362,000 | 590,000 | 816,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,631,000 | 8,292,000 | 8,520,000 | 9,223,000 |
| Total capital | 8,302,000 | 9,007,000 | 9,243,000 | 9,976,000 |
| Risk-weighted assets | 55,179,000 | 58,556,000 | 60,863,000 | 71,775,000 |