Call reports 2001
HAGERSTOWN TRUST COMPANY — 2001
What HAGERSTOWN TRUST COMPANY reported to the FFIEC in 2001, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Total assets | 412,879,000 | 407,188,000 | 431,324,000 | 431,058,000 |
| Total loans | 285,775,000 | 279,051,000 | 297,648,000 | 295,876,000 |
| Allowance for loan losses | 5,939,000 | 5,931,000 | 5,882,000 | 5,832,000 |
| Securities available for sale | 92,437,000 | 101,216,000 | 103,366,000 | 94,565,000 |
| Securities held to maturity | 6,031,000 | 4,736,000 | 3,424,000 | 2,827,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 333,056,000 | 333,336,000 | 340,957,000 | 349,080,000 |
| Interest-bearing deposits | 290,592,000 | 292,047,000 | 297,506,000 | 297,968,000 |
| Noninterest-bearing deposits | 42,464,000 | 41,289,000 | 43,451,000 | 51,112,000 |
| Equity capital | 41,151,000 | 37,417,000 | 39,806,000 | 38,417,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Interest income | 7,290,000 | 14,466,000 | 21,953,000 | 29,071,000 |
| Interest expense | 2,988,000 | 5,823,000 | 8,719,000 | 11,199,000 |
| Net interest income | 4,302,000 | 8,643,000 | 13,234,000 | 17,872,000 |
| Noninterest income | 1,010,000 | 2,223,000 | 3,487,000 | 4,766,000 |
| Noninterest expense | 3,091,000 | 6,307,000 | 9,489,000 | 12,785,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 3,781,000 | 6,119,000 | 8,792,000 | 11,413,000 |
| Income tax | 1,275,000 | 2,047,000 | 2,939,000 | 3,816,000 |
| Net income | 2,506,000 | 4,072,000 | 5,853,000 | 7,597,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Tier 1 capital | 40,909,000 | 36,986,000 | 38,767,000 | 37,541,000 |
| Total capital | 44,524,000 | 40,511,000 | 42,521,000 | 41,309,000 |
| Risk-weighted assets | 286,909,000 | 279,285,000 | 298,176,000 | 299,353,000 |