Call reports 2012
HARDIN COUNTY SAVINGS BANK — 2012
What HARDIN COUNTY SAVINGS BANK reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 166,989,000 | 166,715,000 | 167,892,000 | 180,107,000 |
| Total loans | 76,457,000 | 75,049,000 | 73,172,000 | 84,549,000 |
| Allowance for loan losses | 1,409,000 | 1,459,000 | 1,515,000 | 1,518,000 |
| Securities available for sale | 77,815,000 | 80,715,000 | 80,483,000 | 82,767,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 146,069,000 | 140,140,000 | 144,362,000 | 143,298,000 |
| Interest-bearing deposits | 118,350,000 | 113,686,000 | 117,591,000 | 109,743,000 |
| Noninterest-bearing deposits | 27,719,000 | 26,454,000 | 26,771,000 | 33,555,000 |
| Equity capital | 14,613,000 | 16,608,000 | 16,963,000 | 16,784,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 1,670,000 | 3,289,000 | 4,851,000 | 6,445,000 |
| Interest expense | 409,000 | 811,000 | 1,191,000 | 1,560,000 |
| Net interest income | 1,261,000 | 2,478,000 | 3,660,000 | 4,885,000 |
| Noninterest income | 154,000 | 291,000 | 418,000 | 542,000 |
| Noninterest expense | 963,000 | 1,913,000 | 2,860,000 | 3,900,000 |
| Provision for loan losses | 0 | 0 | -5,000 | -5,000 |
| Pretax income | 556,000 | 1,371,000 | 1,797,000 | 2,229,000 |
| Income tax | 24,000 | 57,000 | 74,000 | 95,000 |
| Net income | 532,000 | 1,314,000 | 1,723,000 | 2,134,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 13,664,000 | 14,047,000 | 14,170,000 | 14,281,000 |
| Total capital | 15,073,000 | 15,506,000 | 15,626,000 | 15,799,000 |
| Risk-weighted assets | 116,023,000 | 117,726,000 | 115,656,000 | 129,718,000 |