Call reports 2007
HENDRICKS COUNTY BANK AND TRUST COMPANY — 2007
What HENDRICKS COUNTY BANK AND TRUST COMPANY reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 131,190,000 | 140,340,000 | 136,274,000 | 134,899,000 |
| Total loans | 85,603,000 | 95,577,000 | 95,596,000 | 97,111,000 |
| Allowance for loan losses | 1,119,000 | 1,119,000 | 1,141,000 | 1,145,000 |
| Securities available for sale | 24,971,000 | 22,878,000 | 18,031,000 | 15,193,000 |
| Securities held to maturity | 8,922,000 | 9,661,000 | 9,377,000 | 9,726,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 112,167,000 | 119,878,000 | 114,435,000 | 113,219,000 |
| Interest-bearing deposits | 87,428,000 | 95,457,000 | 90,781,000 | 90,730,000 |
| Noninterest-bearing deposits | 24,739,000 | 24,421,000 | 23,654,000 | 22,489,000 |
| Equity capital | 17,285,000 | 17,398,000 | 17,649,000 | 17,757,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 1,953,000 | 4,090,000 | 6,243,000 | 8,343,000 |
| Interest expense | 722,000 | 1,502,000 | 2,330,000 | 3,142,000 |
| Net interest income | 1,231,000 | 2,588,000 | 3,913,000 | 5,201,000 |
| Noninterest income | 162,000 | 344,000 | 519,000 | 713,000 |
| Noninterest expense | 1,130,000 | 2,283,000 | 3,540,000 | 4,886,000 |
| Provision for loan losses | 18,000 | 32,000 | 56,000 | 65,000 |
| Pretax income | 245,000 | 617,000 | 836,000 | 963,000 |
| Income tax | 92,000 | 210,000 | 265,000 | 275,000 |
| Net income | 153,000 | 407,000 | 571,000 | 688,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 17,247,000 | 17,417,000 | 17,581,000 | 17,614,000 |
| Total capital | 18,366,000 | 18,536,000 | 18,722,000 | 18,759,000 |
| Risk-weighted assets | 89,824,000 | 95,112,000 | 93,675,000 | 94,713,000 |