Call reports 2023
HANCOCK COUNTY SAVINGS BANK, F.S.B. — 2023
What HANCOCK COUNTY SAVINGS BANK, F.S.B. 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 | 455,179,000 | 457,401,000 | 463,374,000 | 460,452,000 |
| Total loans | 391,966,000 | 396,902,000 | 404,972,000 | 409,488,000 |
| Allowance for loan losses | 4,326,000 | 4,476,000 | 4,180,000 | 4,322,000 |
| Securities available for sale | 9,151,000 | 10,009,000 | 17,141,000 | 17,174,000 |
| Securities held to maturity | 16,513,000 | 16,514,000 | 11,014,000 | 5,015,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 355,664,000 | 357,155,000 | 355,610,000 | 355,109,000 |
| Interest-bearing deposits | 322,932,000 | 324,348,000 | 324,820,000 | 321,798,000 |
| Noninterest-bearing deposits | 32,732,000 | 32,807,000 | 30,790,000 | 33,311,000 |
| Equity capital | 80,691,000 | 81,406,000 | 82,491,000 | 83,034,000 |
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 | 4,185,000 | 8,621,000 | 13,172,000 | 17,954,000 |
| Interest expense | 546,000 | 1,336,000 | 2,368,000 | 3,653,000 |
| Net interest income | 3,639,000 | 7,285,000 | 10,804,000 | 14,301,000 |
| Noninterest income | 417,000 | 846,000 | 1,295,000 | 1,727,000 |
| Noninterest expense | 2,494,000 | 5,403,000 | 8,089,000 | 11,314,000 |
| Provision for loan losses | 106,000 | 287,000 | 1,000 | 167,000 |
| Pretax income | 1,458,000 | 2,439,000 | 3,999,000 | 4,550,000 |
| Income tax | 346,000 | 548,000 | 939,000 | 1,092,000 |
| Net income | 1,112,000 | 1,891,000 | 3,060,000 | 3,458,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Tier 1 capital | 80,789,000 | 81,576,000 | 82,750,000 | 83,153,000 |
| Total capital | 83,690,000 | 84,530,000 | 85,725,000 | 86,138,000 |
| Risk-weighted assets | 230,709,000 | 234,846,000 | 236,859,000 | 237,465,000 |