Call reports 2011
HARDIN COUNTY SAVINGS BANK — 2011
What HARDIN COUNTY SAVINGS BANK reported to the FFIEC in 2011, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Total assets | 150,269,000 | 145,364,000 | 155,847,000 | 163,369,000 |
| Total loans | 71,043,000 | 70,034,000 | 68,731,000 | 77,241,000 |
| Allowance for loan losses | 1,549,000 | 1,569,000 | 1,561,000 | 1,404,000 |
| Securities available for sale | 59,633,000 | 61,710,000 | 68,394,000 | 74,715,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 130,935,000 | 125,338,000 | 134,272,000 | 135,112,000 |
| Interest-bearing deposits | 106,000,000 | 103,403,000 | 111,712,000 | 106,310,000 |
| Noninterest-bearing deposits | 24,935,000 | 21,935,000 | 22,560,000 | 28,802,000 |
| Equity capital | 12,616,000 | 13,287,000 | 14,739,000 | 14,467,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Interest income | 1,534,000 | 3,118,000 | 4,672,000 | 6,257,000 |
| Interest expense | 418,000 | 842,000 | 1,267,000 | 1,694,000 |
| Net interest income | 1,116,000 | 2,276,000 | 3,405,000 | 4,563,000 |
| Noninterest income | 121,000 | 230,000 | 364,000 | 465,000 |
| Noninterest expense | 950,000 | 1,851,000 | 2,726,000 | 3,629,000 |
| Provision for loan losses | -100,000 | -150,000 | -165,000 | -165,000 |
| Pretax income | 387,000 | 807,000 | 1,290,000 | 1,678,000 |
| Income tax | 14,000 | 31,000 | 51,000 | 69,000 |
| Net income | 373,000 | 776,000 | 1,239,000 | 1,609,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,409,000 | 12,715,000 | 13,002,000 | 13,132,000 |
| Total capital | 13,716,000 | 14,024,000 | 14,318,000 | 14,536,000 |
| Risk-weighted assets | 103,598,000 | 103,665,000 | 104,263,000 | 115,317,000 |