Hart County Bank and Trust Company in Munfordville, Kentucky (KY)
Overview, Financial Summary, Detailed Financial Reports, Branches


Hart County Bank and Trust Company - Overview

  • General
  • FDIC 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
  • Location
  • Address: 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 Changes
  • Change in Location
  • Financial Summary
  • Total 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
  • 8Total employees (full-time equivalent)
  • $29,097Total assets
  • $10,610Cash and due from depository institutions
  • $5,865Interest-bearing balances
  • $7,930Securities
  • $1,606Federal funds sold & reverse repurchase agreements
  • $7,923Net loans & leases
  • $827Loan loss allowance
  • $0Trading account assets
  • $354Bank premises and fixed assets
  • $0Other real estate owned
  • $0Goodwill and other intangibles
  • $29,097Life insurance assets
  • $674All other assets
  • $24,473Total liabilities and capital
  • $24,378Total liabilities
  • $19,201Total deposits
  • $24,378Interest-bearing deposits
  • $95Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $45Trading liabilities
  • $0Other borrowed funds
  • $50Subordinated debt
  • $4,624All other liabilities
  • $4,624Total equity capital
  • $4,624Total bank equity capital
  • $0Perpetual preferred stock
  • $200Common stock
  • $2,000Surplus
  • $2,424Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $0Income earned, not collected on loans
  • $0Earning assets
  • $229Long-term assets (5+ years)
  • $23,324Average Assets, year-to-date
  • $2,269Average Assets, quarterly
  • $28,644Volatile liabilities
  • $28,889Insider loans
  • $15,705FHLB advances
  • $28,941Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $4,624Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $361Restructured Loans and leases
  • $64Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $1,152Total interest income
  • $217Total interest expense
  • $935Net interest income
  • $0Provision for loan and lease losses
  • $86Total noninterest income
  • $4Fiduciary activities
  • $63Service charges on deposit accounts
  • $0Trading account gains & fees
  • $19Additional noninterest income
  • $724Total noninterest expense
  • $390Salaries and employee benefits
  • $149Premises and equipment expense
  • $185Additional noninterest expense
  • $297Pre-tax net operating income
  • -$8Securities gains (losses)
  • $0Applicable income taxes
  • $289Income before extraordinary items
  • $0Extraordinary gains - net
  • $289Net income attributable to bank
  • $0Net charge-offs
  • $289Cash dividends
  • $30Sale, conversion, retirement of capital stock, net
  • $75Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.51%Yield on earning assets
  • 0.85%Cost of funding earning assets
  • 3.66%Net interest margin
  • 0.34%Noninterest income to earning assets
  • 2.83%Noninterest expense to earning assets
  • 1.04%Net operating income to assets
  • 1.01%Return on assets (ROA)
  • 1.01%Pretax return on assets
  • 6.41%Return on equity (ROE)
  • 4.75%Retained earnings to average equity (YTD only)
  • 0.32%Net charge-offs to loans
  • 0.00%Credit loss provision to net charge-offs
  • 9.90%Efficiency ratio
  • 70,911Assets per employee
  • 3.64%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 25.95%Loss allowance to loans
  • 9.45%Loss allowance to noncurrent loans
  • 0.00%Noncurrent assets plus other real estate owned to assets
  • 0.00%Noncurrent loans to loans
  • 0.00%Net loans and leases to deposits
  • 32.50%Net loans and leases to core deposits
  • 32.85%Equity capital to assets
  • 15.89%Core capital (leverage) ratio
  • 15.98%Tier 1 risk-based capital ratio
  • 29.44%Total risk-based capital ratio
  • Memoranda
  • $31Average assets
  • $28,644Average earning assets
  • $4,505Average equity
  • $25,565Average loans

Total Fiduciary and Related Assets (December 31, 2011)

  • Dollar figures in thousands
  • $1Total fiduciary and related assets
  • 1Number of Fiduciary Accounts and Related Asset Accounts
  • YesFiduciary powers granted
  • YesFiduciary or related activity
  • $2,909Managed Assets
  • 1Number of Accounts
  • $2,909Personal trust and agency accounts
  • $2,909Employee benefit-defined contribution accounts
  • $0Employee benefit-defined benefit accounts
  • $0Other retirement accounts
  • $0Corporate trust and agency accounts
  • $0Investment management agency accounts
  • $0Other fiduciary accounts
  • $0Fiduciary accounts held in foreign offices
  • $0Non-managed Assets
  • 42Number of Accounts
  • $0Personal trust and agency accounts
  • $0Employee benefit-defined contribution accounts
  • $0Employee benefit-defined benefit accounts
  • $0Other retirement accounts
  • $0Corporate trust and agency accounts
  • $0Other fiduciary accounts
  • $0Fiduciary accounts held in foreign offices

List of branches

  • 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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