Call reports 2009
HART COUNTY BANK AND TRUST COMPANY — 2009
What HART COUNTY BANK AND TRUST COMPANY reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 27,550,000 | 27,295,000 | 27,818,000 | 27,727,000 |
| Total loans | 5,533,000 | 5,521,000 | 5,216,000 | 6,268,000 |
| Allowance for loan losses | 590,000 | 600,000 | 695,000 | 760,000 |
| Securities available for sale | 1,991,000 | 1,480,000 | 1,127,000 | 931,000 |
| Securities held to maturity | 11,334,000 | 9,263,000 | 8,842,000 | 8,374,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 22,694,000 | 22,496,000 | 23,028,000 | 22,960,000 |
| Interest-bearing deposits | 18,559,000 | 18,167,000 | 18,582,000 | 17,974,000 |
| Noninterest-bearing deposits | 4,135,000 | 4,329,000 | 4,446,000 | 4,986,000 |
| Equity capital | 4,496,000 | 4,529,000 | 4,544,000 | 4,464,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 299,000 | 585,000 | 854,000 | 1,104,000 |
| Interest expense | 87,000 | 169,000 | 246,000 | 317,000 |
| Net interest income | 212,000 | 416,000 | 608,000 | 787,000 |
| Noninterest income | 13,000 | 26,000 | 48,000 | 112,000 |
| Noninterest expense | 198,000 | 393,000 | 590,000 | 922,000 |
| Provision for loan losses | 9,000 | 18,000 | 25,000 | 84,000 |
| Pretax income | 19,000 | 32,000 | 43,000 | -103,000 |
| Income tax | 0 | 0 | 0 | -73,000 |
| Net income | 19,000 | 32,000 | 43,000 | -30,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,180,000 | 4,213,000 | 4,232,000 | 4,118,000 |
| Total capital | 4,361,000 | 4,389,000 | 4,403,000 | 4,298,000 |
| Risk-weighted assets | 14,023,000 | 13,636,000 | 13,168,000 | 13,889,000 |