Call reports 2005
HENDRICKS COUNTY BANK AND TRUST COMPANY — 2005
What HENDRICKS COUNTY BANK AND TRUST COMPANY reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 147,045,000 | 134,279,000 | 132,335,000 | 128,652,000 |
| Total loans | 79,851,000 | 80,187,000 | 80,769,000 | 78,485,000 |
| Allowance for loan losses | 881,000 | 896,000 | 911,000 | 926,000 |
| Securities available for sale | 29,281,000 | 32,258,000 | 20,805,000 | 17,860,000 |
| Securities held to maturity | 6,546,000 | 8,667,000 | 8,016,000 | 9,143,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 129,568,000 | 117,424,000 | 114,889,000 | 111,587,000 |
| Interest-bearing deposits | 104,006,000 | 91,025,000 | 85,338,000 | 84,553,000 |
| Noninterest-bearing deposits | 25,562,000 | 26,399,000 | 29,551,000 | 27,034,000 |
| Equity capital | 15,900,000 | 16,031,000 | 16,185,000 | 16,194,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 1,569,000 | 3,220,000 | 4,887,000 | 6,621,000 |
| Interest expense | 303,000 | 630,000 | 1,005,000 | 1,441,000 |
| Net interest income | 1,266,000 | 2,590,000 | 3,882,000 | 5,180,000 |
| Noninterest income | 192,000 | 413,000 | 557,000 | 720,000 |
| Noninterest expense | 1,141,000 | 2,290,000 | 3,509,000 | 4,838,000 |
| Provision for loan losses | 11,000 | 112,000 | 127,000 | 157,000 |
| Pretax income | 306,000 | 601,000 | 803,000 | 905,000 |
| Income tax | 112,000 | 214,000 | 281,000 | 305,000 |
| Net income | 194,000 | 387,000 | 522,000 | 600,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 16,047,000 | 16,156,000 | 16,291,000 | 16,286,000 |
| Total capital | 16,928,000 | 17,052,000 | 16,291,000 | 17,212,000 |
| Risk-weighted assets | 83,907,000 | 86,233,000 | 81,117,000 | 86,064,000 |
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