Call reports 2008
HART COUNTY BANK AND TRUST COMPANY — 2008
What HART COUNTY BANK AND TRUST COMPANY reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 29,279,000 | 30,279,000 | 29,015,000 | 27,742,000 |
| Total loans | 6,256,000 | 6,392,000 | 6,150,000 | 6,111,000 |
| Allowance for loan losses | 545,000 | 561,000 | 571,000 | 580,000 |
| Securities available for sale | 2,890,000 | 3,334,000 | 2,323,000 | 2,025,000 |
| Securities held to maturity | 13,857,000 | 13,647,000 | 14,743,000 | 14,105,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 24,556,000 | 25,615,000 | 24,317,000 | 22,762,000 |
| Interest-bearing deposits | 20,085,000 | 19,809,000 | 19,125,000 | 18,399,000 |
| Noninterest-bearing deposits | 4,471,000 | 5,806,000 | 5,192,000 | 4,363,000 |
| Equity capital | 4,410,000 | 4,364,000 | 4,394,000 | 4,560,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 355,000 | 727,000 | 1,118,000 | 1,500,000 |
| Interest expense | 143,000 | 276,000 | 397,000 | 504,000 |
| Net interest income | 212,000 | 451,000 | 721,000 | 996,000 |
| Noninterest income | 47,000 | 61,000 | 74,000 | 87,000 |
| Noninterest expense | 220,000 | 425,000 | 623,000 | 828,000 |
| Provision for loan losses | 9,000 | 18,000 | 27,000 | 36,000 |
| Pretax income | 35,000 | 77,000 | 151,000 | 225,000 |
| Income tax | 0 | 0 | 0 | 17,000 |
| Net income | 35,000 | 77,000 | 151,000 | 208,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,122,000 | 4,145,000 | 4,193,000 | 4,298,000 |
| Total capital | 4,316,000 | 4,355,000 | 4,394,000 | 4,490,000 |
| Risk-weighted assets | 15,159,000 | 16,406,000 | 15,681,000 | 14,954,000 |
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