Call reports 2004
HARDIN COUNTY SAVINGS BANK — 2004
What HARDIN COUNTY SAVINGS BANK reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 120,848,000 | 118,896,000 | 120,693,000 | 117,756,000 |
| Total loans | 56,529,000 | 60,968,000 | 65,119,000 | 65,448,000 |
| Allowance for loan losses | 1,060,000 | 1,045,000 | 1,129,000 | 1,127,000 |
| Securities available for sale | 57,663,000 | 51,431,000 | 46,508,000 | 44,129,000 |
| Securities held to maturity | 1,249,000 | 1,239,000 | 1,229,000 | 1,219,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 100,602,000 | 93,309,000 | 95,366,000 | 99,542,000 |
| Interest-bearing deposits | 87,494,000 | 79,660,000 | 81,988,000 | 83,113,000 |
| Noninterest-bearing deposits | 13,108,000 | 13,650,000 | 13,378,000 | 16,429,000 |
| Equity capital | 12,436,000 | 12,174,000 | 12,566,000 | 12,629,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 1,387,000 | 2,734,000 | 4,104,000 | 5,491,000 |
| Interest expense | 485,000 | 935,000 | 1,391,000 | 1,825,000 |
| Net interest income | 902,000 | 1,799,000 | 2,713,000 | 3,666,000 |
| Noninterest income | 116,000 | 258,000 | 420,000 | 507,000 |
| Noninterest expense | 824,000 | 1,605,000 | 2,508,000 | 3,311,000 |
| Provision for loan losses | 1,000 | 0 | -75,000 | -80,000 |
| Pretax income | 208,000 | 475,000 | 712,000 | 961,000 |
| Income tax | 10,000 | 81,000 | 99,000 | 108,000 |
| Net income | 198,000 | 394,000 | 613,000 | 853,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,391,000 | 12,476,000 | 12,575,000 | 12,611,000 |
| Total capital | 13,374,000 | 13,455,000 | 13,610,000 | 13,646,000 |
| Risk-weighted assets | 78,540,000 | 78,243,000 | 82,672,000 | 82,685,000 |
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