Call reports 2006
HAGERSTOWN TRUST COMPANY — 2006
What HAGERSTOWN TRUST COMPANY reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 499,099,000 | 503,968,000 | 520,821,000 | 518,696,000 |
| Total loans | 355,274,000 | 364,663,000 | 374,230,000 | 374,621,000 |
| Allowance for loan losses | 5,454,000 | 5,469,000 | 5,474,000 | 5,401,000 |
| Securities available for sale | 116,701,000 | 111,344,000 | 119,703,000 | 116,789,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 401,337,000 | 397,816,000 | 399,147,000 | 407,388,000 |
| Interest-bearing deposits | 364,565,000 | 356,884,000 | 357,343,000 | 369,475,000 |
| Noninterest-bearing deposits | 36,772,000 | 40,932,000 | 41,804,000 | 37,913,000 |
| Equity capital | 30,140,000 | 31,009,000 | 33,681,000 | 34,764,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 6,377,000 | 13,117,000 | 20,188,000 | 27,437,000 |
| Interest expense | 2,206,000 | 4,744,000 | 7,659,000 | 10,790,000 |
| Net interest income | 4,171,000 | 8,373,000 | 12,529,000 | 16,647,000 |
| Noninterest income | 1,371,000 | 2,750,000 | 4,162,000 | 5,795,000 |
| Noninterest expense | 3,676,000 | 7,074,000 | 10,628,000 | 14,360,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 1,866,000 | 4,051,000 | 6,065,000 | 8,084,000 |
| Income tax | 547,000 | 1,208,000 | 1,803,000 | 2,388,000 |
| Net income | 1,319,000 | 2,843,000 | 4,262,000 | 5,696,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 32,967,000 | 34,490,000 | 35,609,000 | 36,518,000 |
| Total capital | 37,328,000 | 38,975,000 | 40,189,000 | 41,111,000 |
| Risk-weighted assets | 347,758,000 | 357,828,000 | 365,484,000 | 366,643,000 |