Call reports 2010
HART COUNTY BANK AND TRUST COMPANY — 2010
What HART COUNTY BANK AND TRUST COMPANY reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 28,623,000 | 28,169,000 | 27,817,000 | 28,213,000 |
| Total loans | 6,980,000 | 8,065,000 | 7,714,000 | 9,618,000 |
| Allowance for loan losses | 794,000 | 806,000 | 806,000 | 857,000 |
| Securities available for sale | 897,000 | 684,000 | 584,000 | 435,000 |
| Securities held to maturity | 7,955,000 | 7,537,000 | 7,331,000 | 7,074,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 24,054,000 | 23,511,000 | 23,225,000 | 23,556,000 |
| Interest-bearing deposits | 18,400,000 | 18,365,000 | 18,836,000 | 18,793,000 |
| Noninterest-bearing deposits | 5,654,000 | 5,146,000 | 4,389,000 | 4,763,000 |
| Equity capital | 4,361,000 | 4,372,000 | 4,381,000 | 4,431,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 250,000 | 508,000 | 774,000 | 1,044,000 |
| Interest expense | 64,000 | 129,000 | 189,000 | 248,000 |
| Net interest income | 186,000 | 379,000 | 585,000 | 796,000 |
| Noninterest income | 18,000 | 34,000 | 50,000 | 69,000 |
| Noninterest expense | 207,000 | 396,000 | 596,000 | 723,000 |
| Provision for loan losses | 9,000 | 15,000 | 15,000 | 65,000 |
| Pretax income | -12,000 | 2,000 | 17,000 | 70,000 |
| Income tax | 0 | 0 | 0 | -11,000 |
| Net income | -12,000 | 2,000 | 17,000 | 81,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,022,000 | 4,033,000 | 4,052,000 | 4,105,000 |
| Total capital | 4,211,000 | 4,230,000 | 4,245,000 | 4,315,000 |
| Risk-weighted assets | 14,512,000 | 15,162,000 | 14,812,000 | 16,137,000 |