Call reports 2006
HARDIN COUNTY SAVINGS BANK — 2006
What HARDIN COUNTY SAVINGS BANK reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 132,001,000 | 129,947,000 | 132,369,000 | 129,605,000 |
| Total loans | 76,597,000 | 77,520,000 | 78,619,000 | 83,718,000 |
| Allowance for loan losses | 1,230,000 | 1,221,000 | 1,213,000 | 1,353,000 |
| Securities available for sale | 43,889,000 | 43,383,000 | 39,957,000 | 36,794,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 108,957,000 | 107,972,000 | 115,342,000 | 108,521,000 |
| Interest-bearing deposits | 95,464,000 | 94,123,000 | 101,123,000 | 91,670,000 |
| Noninterest-bearing deposits | 13,493,000 | 13,849,000 | 14,219,000 | 16,851,000 |
| Equity capital | 12,024,000 | 11,536,000 | 12,090,000 | 12,270,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 1,777,000 | 3,620,000 | 5,516,000 | 7,493,000 |
| Interest expense | 761,000 | 1,688,000 | 2,713,000 | 3,773,000 |
| Net interest income | 1,016,000 | 1,932,000 | 2,803,000 | 3,720,000 |
| Noninterest income | 124,000 | 249,000 | 352,000 | 454,000 |
| Noninterest expense | 848,000 | 1,671,000 | 2,482,000 | 3,258,000 |
| Provision for loan losses | -15,000 | -30,000 | -55,000 | 80,000 |
| Pretax income | 300,000 | 533,000 | 719,000 | 826,000 |
| Income tax | 16,000 | 27,000 | 36,000 | 35,000 |
| Net income | 284,000 | 506,000 | 683,000 | 791,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,890,000 | 12,808,000 | 12,778,000 | 12,780,000 |
| Total capital | 14,050,000 | 13,959,000 | 13,958,000 | 14,005,000 |
| Risk-weighted assets | 93,041,000 | 91,977,000 | 94,819,000 | 97,117,000 |
Machine access — free, no API key
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