Call reports 2015
BANK OF HANCOCK COUNTY — 2015
What BANK OF HANCOCK COUNTY reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 89,173,000 | 87,777,000 | 85,585,000 | 90,117,000 |
| Total loans | 31,801,000 | 32,374,000 | 32,742,000 | 29,818,000 |
| Allowance for loan losses | 1,038,000 | 1,061,000 | 1,013,000 | 997,000 |
| Securities available for sale | 47,710,000 | 48,625,000 | 49,255,000 | 48,570,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 69,187,000 | 68,317,000 | 65,566,000 | 69,720,000 |
| Interest-bearing deposits | 53,769,000 | 53,102,000 | 52,051,000 | 56,256,000 |
| Noninterest-bearing deposits | 15,417,000 | 15,215,000 | 13,514,000 | 13,464,000 |
| Equity capital | 19,678,000 | 19,313,000 | 19,818,000 | 20,156,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 877,000 | 1,786,000 | 2,698,000 | 3,613,000 |
| Interest expense | 88,000 | 178,000 | 265,000 | 351,000 |
| Net interest income | 789,000 | 1,608,000 | 2,433,000 | 3,262,000 |
| Noninterest income | 71,000 | 154,000 | 233,000 | 312,000 |
| Noninterest expense | 617,000 | 1,213,000 | 1,868,000 | 2,522,000 |
| Provision for loan losses | 45,000 | 75,000 | 85,000 | 85,000 |
| Pretax income | 239,000 | 558,000 | 833,000 | 1,095,000 |
| Income tax | 39,000 | 62,000 | 106,000 | 92,000 |
| Net income | 200,000 | 496,000 | 727,000 | 1,003,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 18,711,000 | 18,970,000 | 19,768,000 | 19,156,000 |
| Total capital | 19,139,000 | 19,559,000 | 20,326,000 | 19,709,000 |
| Risk-weighted assets | 33,682,000 | 46,575,000 | 44,196,000 | 43,726,000 |