Call reports 2003
HENDRICKS COUNTY BANK AND TRUST COMPANY — 2003
What HENDRICKS COUNTY BANK AND TRUST COMPANY 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 | 143,345,000 | 153,047,000 | 146,578,000 | 144,966,000 |
| Total loans | 86,522,000 | 89,496,000 | 82,090,000 | 78,705,000 |
| Allowance for loan losses | 889,000 | 904,000 | 919,000 | 934,000 |
| Securities available for sale | 18,468,000 | 18,515,000 | 18,349,000 | 22,283,000 |
| Securities held to maturity | 9,285,000 | 10,719,000 | 10,246,000 | 10,710,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 125,191,000 | 133,675,000 | 128,938,000 | 128,283,000 |
| Interest-bearing deposits | 103,626,000 | 111,123,000 | 106,166,000 | 106,376,000 |
| Noninterest-bearing deposits | 21,565,000 | 22,552,000 | 22,772,000 | 21,907,000 |
| Equity capital | 15,048,000 | 15,225,000 | 15,356,000 | 15,473,000 |
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 | 1,643,000 | 3,321,000 | 4,920,000 | 6,436,000 |
| Interest expense | 413,000 | 760,000 | 1,061,000 | 1,347,000 |
| Net interest income | 1,230,000 | 2,561,000 | 3,859,000 | 5,089,000 |
| Noninterest income | 399,000 | 871,000 | 1,264,000 | 1,524,000 |
| Noninterest expense | 1,311,000 | 2,757,000 | 4,105,000 | 5,368,000 |
| Provision for loan losses | 14,000 | 31,000 | 80,000 | 128,000 |
| Pretax income | 304,000 | 644,000 | 938,000 | 1,117,000 |
| Income tax | 88,000 | 186,000 | 255,000 | 272,000 |
| Net income | 216,000 | 458,000 | 683,000 | 845,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 14,850,000 | 15,009,000 | 15,233,000 | 15,395,000 |
| Total capital | 15,739,000 | 15,913,000 | 16,152,000 | 16,329,000 |
| Risk-weighted assets | 81,582,000 | 86,009,000 | 82,886,000 | 83,503,000 |