Call reports 2020
HARDIN COUNTY SAVINGS BANK — 2020
What HARDIN COUNTY SAVINGS BANK reported to the FFIEC in 2020, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Total assets | 243,082,000 | 250,671,000 | 261,030,000 | 264,257,000 |
| Total loans | 141,827,000 | 142,933,000 | 142,477,000 | 145,518,000 |
| Allowance for loan losses | 1,925,000 | 2,042,000 | 2,051,000 | 2,046,000 |
| Securities available for sale | 79,392,000 | 85,351,000 | 84,970,000 | 99,717,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 194,612,000 | 192,731,000 | 204,112,000 | 210,761,000 |
| Interest-bearing deposits | 160,432,000 | 157,521,000 | 164,202,000 | 165,952,000 |
| Noninterest-bearing deposits | 34,180,000 | 35,210,000 | 39,910,000 | 44,809,000 |
| Equity capital | 18,564,000 | 20,683,000 | 21,688,000 | 23,595,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Interest income | 2,201,000 | 4,624,000 | 6,856,000 | 8,985,000 |
| Interest expense | 676,000 | 1,327,000 | 1,960,000 | 2,544,000 |
| Net interest income | 1,525,000 | 3,297,000 | 4,896,000 | 6,441,000 |
| Noninterest income | 214,000 | 338,000 | 486,000 | 652,000 |
| Noninterest expense | 1,007,000 | 2,038,000 | 3,093,000 | 4,322,000 |
| Provision for loan losses | 25,000 | 165,000 | 175,000 | 200,000 |
| Pretax income | 779,000 | 1,504,000 | 2,186,000 | 2,971,000 |
| Income tax | 35,000 | 68,000 | 98,000 | 150,000 |
| Net income | 744,000 | 1,436,000 | 2,088,000 | 2,821,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Tier 1 capital | 20,454,000 | 20,746,000 | 20,899,000 | 21,147,000 |