Call reports 2005
HAGERSTOWN TRUST COMPANY — 2005
What HAGERSTOWN TRUST COMPANY reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 465,699,000 | 481,604,000 | 483,736,000 | 482,475,000 |
| Total loans | 304,489,000 | 320,796,000 | 332,073,000 | 338,964,000 |
| Allowance for loan losses | 5,448,000 | 5,405,000 | 5,413,000 | 5,403,000 |
| Securities available for sale | 125,955,000 | 128,062,000 | 125,818,000 | 118,704,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 403,740,000 | 392,168,000 | 375,354,000 | 388,779,000 |
| Interest-bearing deposits | 327,158,000 | 315,623,000 | 310,458,000 | 322,658,000 |
| Noninterest-bearing deposits | 76,582,000 | 76,545,000 | 64,896,000 | 66,121,000 |
| Equity capital | 27,833,000 | 29,281,000 | 30,546,000 | 30,058,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 5,426,000 | 11,150,000 | 17,369,000 | 23,656,000 |
| Interest expense | 1,228,000 | 2,555,000 | 4,238,000 | 6,137,000 |
| Net interest income | 4,198,000 | 8,595,000 | 13,131,000 | 17,519,000 |
| Noninterest income | 1,468,000 | 4,184,000 | 5,678,000 | 7,172,000 |
| Noninterest expense | 3,558,000 | 7,285,000 | 10,866,000 | 14,418,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 2,160,000 | 5,547,000 | 7,996,000 | 10,326,000 |
| Income tax | 703,000 | 1,818,000 | 2,579,000 | 3,290,000 |
| Net income | 1,457,000 | 3,729,000 | 5,417,000 | 7,036,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 29,968,000 | 30,739,000 | 32,427,000 | 32,546,000 |
| Total capital | 33,814,000 | 34,699,000 | 36,488,000 | 36,687,000 |
| Risk-weighted assets | 306,237,000 | 315,367,000 | 323,566,000 | 330,034,000 |
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