Call reports 2006
HART COUNTY BANK AND TRUST COMPANY — 2006
What HART COUNTY BANK AND TRUST COMPANY reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 27,364,000 | 26,517,000 | 26,762,000 | 27,732,000 |
| Total loans | 5,584,000 | 5,729,000 | 5,567,000 | 5,509,000 |
| Allowance for loan losses | 547,000 | 565,000 | 575,000 | 585,000 |
| Securities available for sale | 1,637,000 | 1,743,000 | 1,794,000 | 1,845,000 |
| Securities held to maturity | 14,791,000 | 14,575,000 | 14,450,000 | 14,760,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 22,807,000 | 21,926,000 | 22,026,000 | 22,911,000 |
| Interest-bearing deposits | 18,315,000 | 17,636,000 | 18,025,000 | 18,393,000 |
| Noninterest-bearing deposits | 4,492,000 | 4,290,000 | 4,001,000 | 4,518,000 |
| Equity capital | 4,215,000 | 4,282,000 | 4,390,000 | 4,465,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 383,000 | 774,000 | 1,152,000 | 1,546,000 |
| Interest expense | 90,000 | 184,000 | 286,000 | 400,000 |
| Net interest income | 293,000 | 590,000 | 866,000 | 1,146,000 |
| Noninterest income | 22,000 | 42,000 | 63,000 | 76,000 |
| Noninterest expense | 201,000 | 403,000 | 588,000 | 772,000 |
| Provision for loan losses | 9,000 | 18,000 | 27,000 | 36,000 |
| Pretax income | 95,000 | 221,000 | 317,000 | 410,000 |
| Income tax | 15,000 | 41,000 | 64,000 | 92,000 |
| Net income | 80,000 | 180,000 | 253,000 | 318,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,043,000 | 4,143,000 | 4,216,000 | 4,281,000 |
| Total capital | 4,229,000 | 4,329,000 | 4,403,000 | 4,470,000 |
| Risk-weighted assets | 14,530,000 | 14,492,000 | 14,568,000 | 14,697,000 |