Call reports 2004
HART COUNTY BANK AND TRUST COMPANY — 2004
What HART 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 | 26,605,000 | 26,550,000 | 26,825,000 | 27,135,000 |
| Total loans | 7,325,000 | 7,346,000 | 6,916,000 | 6,998,000 |
| Allowance for loan losses | 496,000 | 505,000 | 574,000 | 654,000 |
| Securities available for sale | 593,000 | 902,000 | 806,000 | 730,000 |
| Securities held to maturity | 11,702,000 | 12,008,000 | 13,375,000 | 14,150,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 22,511,000 | 22,293,000 | 22,375,000 | 22,600,000 |
| Interest-bearing deposits | 18,658,000 | 18,722,000 | 18,798,000 | 18,409,000 |
| Noninterest-bearing deposits | 3,853,000 | 3,571,000 | 3,577,000 | 4,191,000 |
| Equity capital | 3,670,000 | 3,806,000 | 3,962,000 | 4,009,000 |
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 | 337,000 | 799,000 | 1,357,000 | 1,774,000 |
| Interest expense | 76,000 | 151,000 | 225,000 | 300,000 |
| Net interest income | 261,000 | 648,000 | 1,132,000 | 1,474,000 |
| Noninterest income | 22,000 | 47,000 | 71,000 | 92,000 |
| Noninterest expense | 181,000 | 379,000 | 644,000 | 866,000 |
| Provision for loan losses | 9,000 | 18,000 | 87,000 | 166,000 |
| Pretax income | 99,000 | 311,000 | 485,000 | 548,000 |
| Income tax | 22,000 | 77,000 | 119,000 | 138,000 |
| Net income | 77,000 | 234,000 | 366,000 | 410,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,481,000 | 3,638,000 | 3,770,000 | 3,814,000 |
| Total capital | 3,674,000 | 3,833,000 | 3,956,000 | 4,000,000 |
| Risk-weighted assets | 15,113,000 | 15,243,000 | 14,494,000 | 14,447,000 |