Call reports 2015
HANCOCK COUNTY SAVINGS BANK, F.S.B. — 2015
What HANCOCK COUNTY SAVINGS BANK, F.S.B. reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 356,113,000 | 357,289,000 | 352,530,000 | 353,539,000 |
| Total loans | 259,331,000 | 259,898,000 | 262,670,000 | 264,784,000 |
| Allowance for loan losses | 4,152,000 | 4,077,000 | 4,093,000 | 3,751,000 |
| Securities available for sale | 4,717,000 | 3,584,000 | 3,533,000 | 3,418,000 |
| Securities held to maturity | 60,502,000 | 60,165,000 | 49,474,000 | 51,141,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 288,496,000 | 289,151,000 | 283,815,000 | 284,013,000 |
| Interest-bearing deposits | 273,475,000 | 274,482,000 | 269,430,000 | 271,413,000 |
| Noninterest-bearing deposits | 15,021,000 | 14,669,000 | 14,385,000 | 12,600,000 |
| Equity capital | 57,016,000 | 57,505,000 | 58,020,000 | 58,690,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 3,223,000 | 6,413,000 | 9,626,000 | 12,822,000 |
| Interest expense | 345,000 | 697,000 | 1,042,000 | 1,361,000 |
| Net interest income | 2,878,000 | 5,716,000 | 8,584,000 | 11,461,000 |
| Noninterest income | 296,000 | 592,000 | 885,000 | 1,204,000 |
| Noninterest expense | 2,139,000 | 4,410,000 | 6,646,000 | 9,059,000 |
| Provision for loan losses | 0 | 0 | 0 | -335,000 |
| Pretax income | 1,035,000 | 1,898,000 | 2,823,000 | 3,941,000 |
| Income tax | 356,000 | 662,000 | 1,087,000 | 1,513,000 |
| Net income | 679,000 | 1,236,000 | 1,736,000 | 2,428,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 56,841,000 | 57,397,000 | 57,894,000 | 58,582,000 |
| Total capital | 59,088,000 | 59,638,000 | 60,063,000 | 60,811,000 |
| Risk-weighted assets | 177,297,000 | 177,070,000 | 171,036,000 | 176,451,000 |