Call reports 2016
HANCOCK COUNTY SAVINGS BANK, F.S.B. — 2016
What HANCOCK COUNTY SAVINGS BANK, F.S.B. reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 340,375,000 | 340,191,000 | 339,945,000 | 343,439,000 |
| Total loans | 263,363,000 | 263,975,000 | 267,528,000 | 269,553,000 |
| Allowance for loan losses | 3,543,000 | 3,465,000 | 3,364,000 | 3,024,000 |
| Securities available for sale | 5,019,000 | 4,976,000 | 4,890,000 | 4,700,000 |
| Securities held to maturity | 46,072,000 | 43,092,000 | 36,081,000 | 39,067,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 270,369,000 | 269,492,000 | 268,567,000 | 271,154,000 |
| Interest-bearing deposits | 258,835,000 | 258,124,000 | 258,007,000 | 259,321,000 |
| Noninterest-bearing deposits | 11,534,000 | 11,368,000 | 10,560,000 | 11,833,000 |
| Equity capital | 59,406,000 | 60,035,000 | 60,611,000 | 61,229,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 3,194,000 | 6,385,000 | 9,570,000 | 12,768,000 |
| Interest expense | 308,000 | 609,000 | 916,000 | 1,217,000 |
| Net interest income | 2,886,000 | 5,776,000 | 8,654,000 | 11,551,000 |
| Noninterest income | 324,000 | 684,000 | 1,038,000 | 1,338,000 |
| Noninterest expense | 2,198,000 | 4,412,000 | 6,724,000 | 9,096,000 |
| Provision for loan losses | 0 | 0 | 0 | -252,000 |
| Pretax income | 1,012,000 | 2,048,000 | 2,968,000 | 4,045,000 |
| Income tax | 333,000 | 754,000 | 1,097,000 | 1,499,000 |
| Net income | 679,000 | 1,294,000 | 1,871,000 | 2,546,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 59,221,000 | 59,847,000 | 60,436,000 | 61,118,000 |
| Total capital | 61,391,000 | 62,016,000 | 62,620,000 | 63,333,000 |
| Risk-weighted assets | 171,614,000 | 171,566,000 | 172,815,000 | 176,353,000 |