Call reports 2003
HART COUNTY BANK AND TRUST COMPANY — 2003
What HART 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 | 29,083,000 | 28,635,000 | 26,950,000 | 27,294,000 |
| Total loans | 8,363,000 | 8,114,000 | 8,437,000 | 8,061,000 |
| Allowance for loan losses | 485,000 | 491,000 | 491,000 | 456,000 |
| Securities available for sale | 2,176,000 | 3,012,000 | 773,000 | 605,000 |
| Securities held to maturity | 11,174,000 | 9,809,000 | 10,486,000 | 12,677,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 25,126,000 | 24,630,000 | 22,971,000 | 23,251,000 |
| Interest-bearing deposits | 21,300,000 | 20,321,000 | 19,169,000 | 18,793,000 |
| Noninterest-bearing deposits | 3,826,000 | 4,309,000 | 3,802,000 | 4,458,000 |
| Equity capital | 3,457,000 | 3,525,000 | 3,492,000 | 3,592,000 |
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 | 336,000 | 703,000 | 969,000 | 1,373,000 |
| Interest expense | 109,000 | 210,000 | 303,000 | 387,000 |
| Net interest income | 227,000 | 493,000 | 666,000 | 986,000 |
| Noninterest income | 27,000 | 52,000 | 73,000 | 96,000 |
| Noninterest expense | 203,000 | 406,000 | 615,000 | 841,000 |
| Provision for loan losses | 9,000 | 18,000 | 27,000 | 36,000 |
| Pretax income | 42,000 | 107,000 | 83,000 | 196,000 |
| Income tax | 19,000 | 19,000 | 19,000 | 32,000 |
| Net income | 23,000 | 88,000 | 64,000 | 164,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,272,000 | 3,337,000 | 3,313,000 | 3,413,000 |
| Total capital | 3,481,000 | 3,557,000 | 3,506,000 | 3,607,000 |
| Risk-weighted assets | 16,749,000 | 17,270,000 | 15,471,000 | 15,279,000 |