Call reports 2007
HAGERSTOWN TRUST COMPANY — 2007
What HAGERSTOWN TRUST COMPANY reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 521,181,000 | 520,588,000 | 509,896,000 | 505,398,000 |
| Total loans | 366,761,000 | 355,848,000 | 345,520,000 | 345,229,000 |
| Allowance for loan losses | 5,413,000 | 5,369,000 | 5,344,000 | 4,974,000 |
| Securities available for sale | 102,978,000 | 100,046,000 | 97,582,000 | 112,045,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 422,308,000 | 417,008,000 | 411,758,000 | 406,411,000 |
| Interest-bearing deposits | 380,385,000 | 378,233,000 | 378,995,000 | 370,583,000 |
| Noninterest-bearing deposits | 41,923,000 | 38,775,000 | 32,763,000 | 35,828,000 |
| Equity capital | 35,355,000 | 34,876,000 | 34,436,000 | 34,310,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 7,312,000 | 14,545,000 | 21,923,000 | 29,035,000 |
| Interest expense | 3,015,000 | 6,161,000 | 9,438,000 | 12,512,000 |
| Net interest income | 4,297,000 | 8,384,000 | 12,485,000 | 16,523,000 |
| Noninterest income | 1,511,000 | 2,983,000 | 4,409,000 | 5,968,000 |
| Noninterest expense | 3,539,000 | 7,161,000 | 10,428,000 | 13,677,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 2,296,000 | 4,233,000 | 6,498,000 | 8,863,000 |
| Income tax | 724,000 | 1,270,000 | 1,951,000 | 2,457,000 |
| Net income | 1,572,000 | 2,963,000 | 4,547,000 | 6,406,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 36,891,000 | 36,781,000 | 35,666,000 | 34,825,000 |
| Total capital | 41,442,000 | 41,240,000 | 40,002,000 | 39,094,000 |
| Risk-weighted assets | 363,212,000 | 355,818,000 | 345,847,000 | 340,449,000 |