Call reports 2015
HARDIN COUNTY SAVINGS BANK — 2015
What HARDIN COUNTY SAVINGS BANK reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 192,026,000 | 183,062,000 | 185,724,000 | 197,159,000 |
| Total loans | 79,027,000 | 83,363,000 | 84,538,000 | 92,161,000 |
| Allowance for loan losses | 1,768,000 | 1,759,000 | 1,702,000 | 1,674,000 |
| Securities available for sale | 85,973,000 | 86,204,000 | 87,618,000 | 90,964,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 162,676,000 | 151,583,000 | 156,075,000 | 161,972,000 |
| Interest-bearing deposits | 132,955,000 | 120,730,000 | 127,942,000 | 129,965,000 |
| Noninterest-bearing deposits | 29,721,000 | 30,853,000 | 28,133,000 | 32,007,000 |
| Equity capital | 13,277,000 | 12,393,000 | 11,946,000 | 13,550,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 1,498,000 | 2,950,000 | 4,429,000 | 5,962,000 |
| Interest expense | 290,000 | 590,000 | 891,000 | 1,232,000 |
| Net interest income | 1,208,000 | 2,360,000 | 3,538,000 | 4,730,000 |
| Noninterest income | 148,000 | 260,000 | 373,000 | 492,000 |
| Noninterest expense | 1,061,000 | 2,065,000 | 3,072,000 | 4,041,000 |
| Provision for loan losses | -45,000 | -55,000 | -110,000 | -140,000 |
| Pretax income | 431,000 | 800,000 | 1,139,000 | 1,509,000 |
| Income tax | 30,000 | 47,000 | 60,000 | 72,000 |
| Net income | 401,000 | 753,000 | 1,079,000 | 1,437,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 16,327,000 | 16,354,000 | 16,333,000 | 16,707,000 |
| Total capital | 17,718,000 | 17,822,000 | 17,777,000 | 18,301,000 |
| Risk-weighted assets | 110,955,000 | 117,198,000 | 115,303,000 | 127,459,000 |