Call reports 2025
HART COUNTY BANK AND TRUST COMPANY — 2025
What HART COUNTY BANK AND TRUST COMPANY reported to the FFIEC in 2025, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Total assets | 25,497,000 | 24,611,000 | 24,020,000 | 23,377,000 |
| Total loans | 17,146,000 | 16,547,000 | 17,381,000 | 18,903,000 |
| Allowance for loan losses | 1,014,000 | 1,014,000 | 1,014,000 | 1,014,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 1,272,000 | 1,144,000 | 1,021,000 | 985,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 17,885,000 | 16,609,000 | 16,330,000 | 15,627,000 |
| Interest-bearing deposits | 10,610,000 | 10,194,000 | 9,696,000 | 8,902,000 |
| Noninterest-bearing deposits | 7,275,000 | 6,415,000 | 6,634,000 | 6,725,000 |
| Equity capital | 7,406,000 | 7,553,000 | 7,284,000 | 7,426,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Interest income | 264,000 | 535,000 | 824,000 | 1,132,000 |
| Interest expense | 12,000 | 29,000 | 47,000 | 66,000 |
| Net interest income | 252,000 | 506,000 | 777,000 | 1,066,000 |
| Noninterest income | 12,000 | 20,000 | 27,000 | 34,000 |
| Noninterest expense | 131,000 | 274,000 | 421,000 | 575,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 132,000 | 251,000 | 382,000 | 524,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 132,000 | 251,000 | 382,000 | 524,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,406,000 | 7,553,000 | 7,284,000 | 7,426,000 |
| Total capital | 7,655,000 | 7,793,000 | 7,532,000 | 7,684,000 |
| Risk-weighted assets | 19,163,000 | 18,457,000 | 19,062,000 | 19,914,000 |