Call reports 2016
HARDIN COUNTY SAVINGS BANK — 2016
What HARDIN COUNTY SAVINGS BANK reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 200,097,000 | 196,000,000 | 194,936,000 | 196,830,000 |
| Total loans | 96,153,000 | 95,920,000 | 93,237,000 | 101,106,000 |
| Allowance for loan losses | 1,672,000 | 1,651,000 | 1,652,000 | 1,633,000 |
| Securities available for sale | 82,507,000 | 84,167,000 | 85,485,000 | 81,188,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 168,224,000 | 158,396,000 | 161,865,000 | 161,377,000 |
| Interest-bearing deposits | 140,270,000 | 129,296,000 | 132,647,000 | 123,376,000 |
| Noninterest-bearing deposits | 27,954,000 | 29,100,000 | 29,218,000 | 38,001,000 |
| Equity capital | 13,224,000 | 14,440,000 | 14,078,000 | 13,651,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 1,540,000 | 3,101,000 | 4,639,000 | 6,170,000 |
| Interest expense | 341,000 | 686,000 | 1,036,000 | 1,385,000 |
| Net interest income | 1,199,000 | 2,415,000 | 3,603,000 | 4,785,000 |
| Noninterest income | 174,000 | 301,000 | 431,000 | 569,000 |
| Noninterest expense | 1,001,000 | 1,946,000 | 3,030,000 | 3,919,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 461,000 | 859,000 | 1,254,000 | 1,685,000 |
| Income tax | 21,000 | 39,000 | 55,000 | 70,000 |
| Net income | 440,000 | 820,000 | 1,199,000 | 1,615,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 16,886,000 | 16,993,000 | 17,109,000 | 17,264,000 |
| Total capital | 18,509,000 | 18,609,000 | 18,687,000 | 18,897,000 |
| Risk-weighted assets | 129,821,000 | 129,317,000 | 126,188,000 | 136,134,000 |