Call reports 2005
HARDIN COUNTY SAVINGS BANK — 2005
What HARDIN COUNTY SAVINGS BANK reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 118,912,000 | 123,069,000 | 126,377,000 | 125,515,000 |
| Total loans | 65,472,000 | 68,980,000 | 71,704,000 | 72,120,000 |
| Allowance for loan losses | 1,164,000 | 1,199,000 | 1,197,000 | 1,200,000 |
| Securities available for sale | 47,286,000 | 46,766,000 | 45,367,000 | 44,421,000 |
| Securities held to maturity | 1,208,000 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 98,282,000 | 90,639,000 | 93,501,000 | 98,322,000 |
| Interest-bearing deposits | 82,122,000 | 77,398,000 | 81,010,000 | 81,020,000 |
| Noninterest-bearing deposits | 16,160,000 | 13,241,000 | 12,491,000 | 17,302,000 |
| Equity capital | 12,584,000 | 12,874,000 | 12,605,000 | 12,253,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 1,422,000 | 2,985,000 | 4,633,000 | 6,353,000 |
| Interest expense | 441,000 | 977,000 | 1,623,000 | 2,310,000 |
| Net interest income | 981,000 | 2,008,000 | 3,010,000 | 4,043,000 |
| Noninterest income | 83,000 | 160,000 | 250,000 | 346,000 |
| Noninterest expense | 794,000 | 1,637,000 | 2,460,000 | 3,364,000 |
| Provision for loan losses | -25,000 | -55,000 | -60,000 | -60,000 |
| Pretax income | 287,000 | 593,000 | 867,000 | 1,070,000 |
| Income tax | 14,000 | 30,000 | 44,000 | 50,000 |
| Net income | 273,000 | 563,000 | 823,000 | 1,020,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,760,000 | 12,902,000 | 12,980,000 | 12,776,000 |
| Total capital | 13,780,000 | 13,972,000 | 14,076,000 | 13,881,000 |
| Risk-weighted assets | 81,428,000 | 85,433,000 | 89,277,000 | 90,193,000 |
Machine access — free, no API key
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