Call reports 2005
HART COUNTY BANK AND TRUST COMPANY — 2005
What HART 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 | 26,691,000 | 26,890,000 | 27,434,000 | 29,199,000 |
| Total loans | 6,632,000 | 6,664,000 | 6,370,000 | 6,149,000 |
| Allowance for loan losses | 540,000 | 549,000 | 559,000 | 569,000 |
| Securities available for sale | 1,136,000 | 594,000 | 844,000 | 1,958,000 |
| Securities held to maturity | 13,587,000 | 14,158,000 | 14,303,000 | 14,479,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 22,200,000 | 22,325,000 | 22,895,000 | 24,565,000 |
| Interest-bearing deposits | 18,346,000 | 17,955,000 | 18,265,000 | 19,941,000 |
| Noninterest-bearing deposits | 3,854,000 | 4,370,000 | 4,630,000 | 4,624,000 |
| Equity capital | 4,041,000 | 4,133,000 | 4,158,000 | 4,271,000 |
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 | 378,000 | 762,000 | 1,139,000 | 1,539,000 |
| Interest expense | 71,000 | 146,000 | 225,000 | 312,000 |
| Net interest income | 307,000 | 616,000 | 914,000 | 1,227,000 |
| Noninterest income | 21,000 | 37,000 | 54,000 | 74,000 |
| Noninterest expense | 208,000 | 430,000 | 686,000 | 916,000 |
| Provision for loan losses | -121,000 | -112,000 | -103,000 | -94,000 |
| Pretax income | 275,000 | 365,000 | 406,000 | 504,000 |
| Income tax | 76,000 | 90,000 | 87,000 | 102,000 |
| Net income | 199,000 | 275,000 | 319,000 | 402,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,807,000 | 3,883,000 | 3,927,000 | 4,020,000 |
| Total capital | 3,992,000 | 4,066,000 | 4,118,000 | 4,220,000 |
| Risk-weighted assets | 14,409,000 | 14,258,000 | 14,878,000 | 15,666,000 |