Call reports 2023
HARDIN COUNTY SAVINGS BANK — 2023
What HARDIN COUNTY SAVINGS BANK reported to the FFIEC in 2023, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Total assets | 347,671,000 | 336,971,000 | 334,979,000 | 343,302,000 |
| Total loans | 167,225,000 | 168,804,000 | 180,640,000 | 192,997,000 |
| Allowance for loan losses | 2,024,000 | 2,064,000 | 1,972,000 | 2,124,000 |
| Securities available for sale | 129,582,000 | 111,357,000 | 70,794,000 | 80,098,000 |
| Securities held to maturity | 20,907,000 | 20,848,000 | 47,053,000 | 47,166,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 301,019,000 | 288,835,000 | 283,496,000 | 280,009,000 |
| Interest-bearing deposits | 255,076,000 | 246,121,000 | 244,865,000 | 236,342,000 |
| Noninterest-bearing deposits | 45,943,000 | 42,714,000 | 38,631,000 | 43,667,000 |
| Equity capital | 17,971,000 | 18,161,000 | 14,648,000 | 19,481,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Interest income | 3,709,000 | 7,517,000 | 11,401,000 | 15,503,000 |
| Interest expense | 1,610,000 | 3,399,000 | 5,291,000 | 7,288,000 |
| Net interest income | 2,099,000 | 4,118,000 | 6,110,000 | 8,215,000 |
| Noninterest income | 206,000 | 1,069,000 | 2,153,000 | 2,368,000 |
| Noninterest expense | 838,000 | 2,131,000 | 3,361,000 | 4,552,000 |
| Provision for loan losses | 39,000 | 83,000 | 123,000 | 307,000 |
| Pretax income | 1,484,000 | 2,447,000 | 3,322,000 | 4,267,000 |
| Income tax | 75,000 | 122,000 | 164,000 | 172,000 |
| Net income | 1,409,000 | 2,325,000 | 3,158,000 | 4,095,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Tier 1 capital | 31,112,000 | 31,695,000 | 32,044,000 | 33,029,000 |
| Total capital | 33,136,000 | 33,759,000 | 34,016,000 | 35,153,000 |
| Risk-weighted assets | 224,321,000 | 219,322,000 | 238,040,000 | 249,803,000 |