Call reports 2012
HARDIN COUNTY BANK, THE — 2012
What HARDIN COUNTY BANK, THE reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 376,944,000 | 382,205,000 | 383,048,000 | 391,971,000 |
| Total loans | 283,880,000 | 293,782,000 | 296,824,000 | 312,854,000 |
| Allowance for loan losses | 2,533,000 | 2,681,000 | 2,515,000 | 3,039,000 |
| Securities available for sale | 55,959,000 | 46,788,000 | 44,197,000 | 41,545,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 334,388,000 | 340,659,000 | 338,114,000 | 350,816,000 |
| Interest-bearing deposits | 289,173,000 | 295,605,000 | 295,985,000 | 302,810,000 |
| Noninterest-bearing deposits | 45,215,000 | 45,054,000 | 42,129,000 | 48,006,000 |
| Equity capital | 30,683,000 | 31,872,000 | 32,809,000 | 31,330,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 4,546,000 | 9,319,000 | 14,028,000 | 18,714,000 |
| Interest expense | 960,000 | 1,893,000 | 2,819,000 | 3,713,000 |
| Net interest income | 3,586,000 | 7,426,000 | 11,209,000 | 15,001,000 |
| Noninterest income | 502,000 | 955,000 | 1,425,000 | 1,938,000 |
| Noninterest expense | 2,496,000 | 4,976,000 | 7,588,000 | 10,458,000 |
| Provision for loan losses | 500,000 | 915,000 | 1,215,000 | 1,797,000 |
| Pretax income | 1,403,000 | 3,141,000 | 4,635,000 | 5,614,000 |
| Income tax | 405,000 | 1,095,000 | 1,637,000 | 1,567,000 |
| Net income | 998,000 | 2,046,000 | 2,998,000 | 4,047,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 30,026,000 | 31,085,000 | 32,005,000 | 30,640,000 |
| Total capital | 32,559,000 | 33,784,000 | 34,520,000 | 33,708,000 |
| Risk-weighted assets | 273,670,000 | 280,704,000 | 284,131,000 | 296,345,000 |