Call reports 2025
HARDIN COUNTY SAVINGS BANK — 2025
What HARDIN COUNTY SAVINGS BANK reported to the FFIEC in 2025, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Total assets | 356,405,000 | 378,908,000 | 409,360,000 | 401,451,000 |
| Total loans | 210,431,000 | 222,388,000 | 232,439,000 | 253,173,000 |
| Allowance for loan losses | 1,388,000 | 1,479,000 | 1,584,000 | 1,708,000 |
| Securities available for sale | 73,873,000 | 81,471,000 | 77,056,000 | 78,128,000 |
| Securities held to maturity | 47,731,000 | 47,845,000 | 47,949,000 | 48,032,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 310,856,000 | 321,691,000 | 350,580,000 | 324,299,000 |
| Interest-bearing deposits | 268,727,000 | 281,817,000 | 311,504,000 | 278,119,000 |
| Noninterest-bearing deposits | 42,129,000 | 39,874,000 | 39,076,000 | 46,180,000 |
| Equity capital | 17,909,000 | 15,555,000 | 18,692,000 | 21,443,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Interest income | 4,492,000 | 9,401,000 | 14,601,000 | 19,909,000 |
| Interest expense | 2,198,000 | 4,626,000 | 7,340,000 | 10,005,000 |
| Net interest income | 2,294,000 | 4,775,000 | 7,261,000 | 9,904,000 |
| Noninterest income | 210,000 | 413,000 | 611,000 | 820,000 |
| Noninterest expense | 1,385,000 | 2,905,000 | 4,478,000 | 6,070,000 |
| Provision for loan losses | 120,000 | 240,000 | 360,000 | 480,000 |
| Pretax income | 1,032,000 | 2,060,000 | 3,065,000 | 4,174,000 |
| Income tax | 43,000 | 84,000 | 126,000 | 147,000 |
| Net income | 989,000 | 1,976,000 | 2,939,000 | 4,027,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 35,048,000 | 35,526,000 | 35,925,000 | 37,525,000 |
| Total capital | 36,487,000 | 37,072,000 | 37,561,000 | 39,317,000 |
| Risk-weighted assets | 257,742,000 | 270,425,000 | 277,511,000 | 291,551,000 |