Call reports 2002
HAGERSTOWN TRUST COMPANY — 2002
What HAGERSTOWN TRUST COMPANY reported to the FFIEC in 2002, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Total assets | 431,241,000 | 431,642,000 | 447,166,000 | 467,767,000 |
| Total loans | 292,737,000 | 291,591,000 | 295,838,000 | 291,808,000 |
| Allowance for loan losses | 5,600,000 | 5,589,000 | 5,548,000 | 5,520,000 |
| Securities available for sale | 107,247,000 | 104,610,000 | 104,076,000 | 133,890,000 |
| Securities held to maturity | 2,437,000 | 2,178,000 | 1,553,000 | 1,303,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 352,696,000 | 359,190,000 | 368,236,000 | 366,561,000 |
| Interest-bearing deposits | 306,961,000 | 310,449,000 | 313,688,000 | 310,197,000 |
| Noninterest-bearing deposits | 45,735,000 | 48,741,000 | 54,548,000 | 56,364,000 |
| Equity capital | 38,180,000 | 39,139,000 | 39,113,000 | 39,570,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Interest income | 6,636,000 | 13,249,000 | 19,524,000 | 25,925,000 |
| Interest expense | 2,119,000 | 4,119,000 | 6,077,000 | 7,858,000 |
| Net interest income | 4,517,000 | 9,130,000 | 13,447,000 | 18,067,000 |
| Noninterest income | 1,295,000 | 2,668,000 | 4,319,000 | 5,965,000 |
| Noninterest expense | 3,274,000 | 6,696,000 | 10,252,000 | 13,803,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 2,538,000 | 5,102,000 | 7,514,000 | 10,229,000 |
| Income tax | 850,000 | 1,700,000 | 2,503,000 | 3,413,000 |
| Net income | 1,688,000 | 3,402,000 | 5,011,000 | 6,816,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 37,551,000 | 37,587,000 | 37,519,000 | 37,644,000 |
| Total capital | 41,359,000 | 41,453,000 | 41,407,000 | 41,531,000 |
| Risk-weighted assets | 302,846,000 | 307,573,000 | 309,711,000 | 309,509,000 |