Hart County Bank and Trust Company in Munfordville, Kentucky (KY)



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Hart County Bank and Trust Company routing number info

Table of contents:
Hart County Bank and Trust Company
GeneralFDIC Certificate #: 10145
Status: Active
Federal Reserve ID: 456344
Bank Holding Company (Regulatory Top Holder): Hart Bancshares, Inc. (RSSDID: 1118836, Location: Munfordville, KY)
Date Established: Febuary 20, 1890
Trust Powers Granted: Yes
Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
Offices: 1 (Domestic: 1, Interstate: No)
OTS Docket #: 13528
FDIC's unique #: 6494
Numeric code: 21
Regulator: FDIC
Insurance Fund Membership: Deposit Insurance Fund (DIF)
Insured commercial Banks: Yes
FDIC Insured: Yes
Deposit Insurance Fund member: Yes
Ownership Type: Non-Stock
FFIEC Call Report 31 Filer: No
State Chartered: Yes
Subchapter S Corporations: No
Asset Concentration Hierarchy: Other Specialized Lending < 1 Billion
Date of Deposit Insurance: January 01, 1934
Last Structure Change Effective Date: Febuary 27, 2008
Last Structure Change Process Date: Febuary 27, 2008
Last Data Update: Febuary 27, 2008
Data Source Date: April 05, 2012
LocationAddress: 331 Main Street, Munfordville, KY 42765
County: Hart
Quarterly Banking Profile Region: Chicago
FDIC Geographic Region: Chicago
FDIC Supervisory Region: Chicago
FDIC Field Office: Elizabethtown
Office of the Comptroller the Currency (OCC) District: Central
Office of Thrift Supervision Region: Southeast
History of ChangesChange in Location
Financial SummaryTotal assets: $29.1 mil
Equity capital: $4.6 mil
Deposits held in domestic offices: $24.4 mil
Return on assets (ROA): 1.01% ($0.3 mil)
Quarterly return on assets: 1.25% ($0.4 mil)
Return on Equity (ROE): 6.41% ($0.3 mil)
Quarterly return on equity: 7.86% ($0.4 mil)
Net income: $0.3 mil
Quarterly Net income: $0.1 mil
Pretax return on assets: 1.01% ($293.9 mil)
Quarterly Pretax return on assets: 1.25% ($363.7 mil)

1992 - 1999 Historical total assets, liabilities and capital ($ mil)

2000 - 2011 Historical total assets, liabilities and capital ($ mil)

Historical Total Incomes ($ mil)

Historical Total Expenses ($ mil)

Historical total employees (full-time equivalent)

Assets and Liabilities (December 31, 2011)
(Dollar figures in thousands)
Total employees (full-time equivalent)8
Total assets$29,097
Cash and due from depository institutions$10,610
Interest-bearing balances$5,865
Securities$7,930
Federal funds sold & reverse repurchase agreements$1,606
Net loans & leases$7,923
Loan loss allowance $827
Trading account assets$0
Bank premises and fixed assets$354
Other real estate owned$0
Goodwill and other intangibles$0
All other assets$674
Life insurance assets$29,097
Total liabilities and capital$24,473
Total liabilities$24,378
Total deposits$19,201
Interest-bearing deposits$24,378
Deposits held in domestic offices$95
% insured (estimated)0.00%
Federal funds purchased & repurchase agreements $0
Trading liabilities$45
Other borrowed funds $0
Subordinated debt $50
All other liabilities $4,624
Total equity capital$4,624
Total bank equity capital$4,624
Perpetual preferred stock$0
Common stock$200
Surplus$2,000
Undivided profits $2,424
Memoranda
Noncurrent loans and leases $0
Noncurrent loans that are wholly or partially guaranteed by the U.S. government $0
Income earned, not collected on loans $0
Earning assets $0
Long-term assets (5+ years) $229
Average Assets, year-to-date $23,324
Average Assets, quarterly $2,269
Volatile liabilities $28,644
Insider loans $28,889
FHLB advances $15,705
Loans and leases held for sale $28,941
Unused loan commitments $0
Tier 1 (core) risk-based capital $0
Tier 2 risk-based capital $4,624
Total risk weighted assets $0
Total unused commitments $0
Restructured Loans and leases $361
Derivatives$64
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Income and Expense (December 31, 2011)
(Dollar figures in thousands)
Total interest income $1,152
Total interest expense $217
Net interest income $935
Provision for loan and lease losses $0
Total noninterest income $86
Fiduciary activities $4
Service charges on deposit accounts $63
Trading account gains & fees $0
Additional noninterest income $19
Total noninterest expense $724
Salaries and employee benefits $390
Premises and equipment expense $149
Additional noninterest expense $185
Pre-tax net operating income $297
Securities gains (losses) -$8
Applicable income taxes $0
Income before extraordinary items $289
Extraordinary gains - net $0
Net income attributable to bank $289
Net charge-offs $0
Cash dividends $289
Sale, conversion, retirement of capital stock, net $30
Net operating income $75
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Performance and Condition Ratios (December 31, 2011)
(Dollar figures in thousands)
Performance Ratios (%, annualized)
Yield on earning assets4.51%
Cost of funding earning assets 0.85%
Net interest margin 3.66%
Noninterest income to earning assets 0.34%
Noninterest expense to earning assets 2.83%
Net operating income to assets 1.04%
Return on assets (ROA) 1.01%
Pretax return on assets 1.01%
Return on equity (ROE) 6.41%
Retained earnings to average equity (YTD only) 4.75%
Net charge-offs to loans 0.32%
Credit loss provision to net charge-offs 0.00%
Efficiency ratio9.90%
Assets per employee$70,911
Cash dividends to net income (YTD only)3.64%
Condition Ratios (%)
Loss allowance to loans 25.95%
Loss allowance to noncurrent loans 9.45%
Noncurrent assets plus other real estate owned to assets 0.00%
Noncurrent loans to loans 0.00%
Net loans and leases to deposits0.00%
Net loans and leases to core deposits 32.50%
Equity capital to assets 32.85%
Core capital (leverage) ratio 15.89%
Tier 1 risk-based capital ratio 15.98%
Total risk-based capital ratio 29.44%
Memoranda
Average assets$31
Average earning assets$28,644
Average equity $4,505
Average loans $25,565
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Total Fiduciary and Related Assets (December 31, 2011)
(Dollar figures in thousands)
Total fiduciary and related assets$1
Number of Fiduciary Accounts and Related Asset Accounts1
Fiduciary powers grantedYes
Fiduciary or related activityYes
Managed Assets$2,909
Number of Accounts1
Personal trust and agency accounts$2,909
Employee benefit-defined contribution accounts$2,909
Employee benefit-defined benefit accounts$0
Other retirement accounts$0
Corporate trust and agency accounts$0
Investment management agency accounts$0
Other fiduciary accounts$0
Fiduciary accounts held in foreign offices$0
Non-managed Assets$0
Number of Accounts42
Personal trust and agency accounts$0
Employee benefit-defined contribution accounts$0
Employee benefit-defined benefit accounts$0
Other retirement accounts$0
Corporate trust and agency accounts$0
Other fiduciary accounts$0
Fiduciary accounts held in foreign offices$0
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1 Kentucky Branch as of April 05, 2012
NoIDNameAddressEstablishedService TypeMap
06494Hart County Bank And Trust Company331 Main Street, Munfordville, KY 42765Febuary 20, 1890Full Service Brick and Mortar
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