Call reports 2013
HANCOCK COUNTY SAVINGS BANK, F.S.B. — 2013
What HANCOCK COUNTY SAVINGS BANK, F.S.B. reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 330,165,000 | 326,241,000 | 332,011,000 | 331,662,000 |
| Total loans | 255,727,000 | 256,295,000 | 259,578,000 | 260,802,000 |
| Allowance for loan losses | 3,247,000 | 3,351,000 | 3,587,000 | 3,706,000 |
| Securities available for sale | 985,000 | 891,000 | 845,000 | 795,000 |
| Securities held to maturity | 40,229,000 | 39,162,000 | 36,616,000 | 42,320,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 276,139,000 | 271,833,000 | 267,100,000 | 266,408,000 |
| Interest-bearing deposits | 264,775,000 | 259,590,000 | 254,744,000 | 253,512,000 |
| Noninterest-bearing deposits | 11,364,000 | 12,243,000 | 12,356,000 | 12,896,000 |
| Equity capital | 53,101,000 | 53,550,000 | 54,086,000 | 54,453,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 3,276,000 | 6,519,000 | 9,817,000 | 13,003,000 |
| Interest expense | 396,000 | 758,000 | 1,105,000 | 1,473,000 |
| Net interest income | 2,880,000 | 5,761,000 | 8,712,000 | 11,530,000 |
| Noninterest income | 309,000 | 637,000 | 994,000 | 1,317,000 |
| Noninterest expense | 1,985,000 | 4,278,000 | 6,316,000 | 8,563,000 |
| Provision for loan losses | 252,000 | 410,000 | 795,000 | 1,067,000 |
| Pretax income | 952,000 | 1,710,000 | 2,595,000 | 3,217,000 |
| Income tax | 359,000 | 649,000 | 993,000 | 1,238,000 |
| Net income | 593,000 | 1,061,000 | 1,602,000 | 1,979,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 52,981,000 | 53,404,000 | 53,970,000 | 54,207,000 |
| Total capital | 54,993,000 | 55,341,000 | 55,926,000 | 56,239,000 |
| Risk-weighted assets | 158,698,000 | 153,107,000 | 154,405,000 | 160,886,000 |