Call reports 2004
HENDRICKS COUNTY BANK AND TRUST COMPANY — 2004
What HENDRICKS COUNTY BANK AND TRUST COMPANY reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 143,830,000 | 138,611,000 | 144,095,000 | 153,726,000 |
| Total loans | 78,399,000 | 78,996,000 | 80,461,000 | 76,130,000 |
| Allowance for loan losses | 950,000 | 964,000 | 978,000 | 866,000 |
| Securities available for sale | 23,322,000 | 23,985,000 | 23,029,000 | 22,892,000 |
| Securities held to maturity | 9,488,000 | 10,402,000 | 8,194,000 | 8,684,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 127,034,000 | 122,406,000 | 127,484,000 | 136,484,000 |
| Interest-bearing deposits | 103,535,000 | 100,043,000 | 101,879,000 | 111,635,000 |
| Noninterest-bearing deposits | 23,499,000 | 22,363,000 | 25,605,000 | 24,849,000 |
| Equity capital | 15,654,000 | 15,541,000 | 15,760,000 | 15,751,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 1,412,000 | 2,831,000 | 4,319,000 | 5,855,000 |
| Interest expense | 255,000 | 491,000 | 741,000 | 1,019,000 |
| Net interest income | 1,157,000 | 2,340,000 | 3,578,000 | 4,836,000 |
| Noninterest income | 273,000 | 553,000 | 807,000 | 1,059,000 |
| Noninterest expense | 1,219,000 | 2,471,000 | 3,642,000 | 4,927,000 |
| Provision for loan losses | 30,000 | 61,000 | 98,000 | 112,000 |
| Pretax income | 181,000 | 361,000 | 645,000 | 856,000 |
| Income tax | 39,000 | 70,000 | 165,000 | 230,000 |
| Net income | 142,000 | 291,000 | 480,000 | 626,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 15,537,000 | 15,602,000 | 15,791,000 | 15,853,000 |
| Total capital | 16,487,000 | 16,566,000 | 16,769,000 | 16,719,000 |
| Risk-weighted assets | 78,010,000 | 84,451,000 | 84,646,000 | 81,352,000 |
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