Call reports 2015
HARDIN COUNTY BANK, THE — 2015
What HARDIN COUNTY BANK, THE 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 | 435,280,000 | 434,034,000 | 438,862,000 | 442,947,000 |
| Total loans | 354,608,000 | 355,326,000 | 357,320,000 | 360,260,000 |
| Allowance for loan losses | 3,959,000 | 3,404,000 | 5,181,000 | 4,371,000 |
| Securities available for sale | 37,148,000 | 41,684,000 | 43,985,000 | 44,950,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 382,798,000 | 373,475,000 | 384,711,000 | 387,478,000 |
| Interest-bearing deposits | 326,281,000 | 318,503,000 | 323,274,000 | 323,248,000 |
| Noninterest-bearing deposits | 56,517,000 | 54,972,000 | 61,437,000 | 64,230,000 |
| Equity capital | 37,525,000 | 37,987,000 | 38,349,000 | 35,677,000 |
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 | 4,721,000 | 9,507,000 | 14,419,000 | 19,361,000 |
| Interest expense | 574,000 | 1,137,000 | 1,715,000 | 2,308,000 |
| Net interest income | 4,147,000 | 8,370,000 | 12,704,000 | 17,053,000 |
| Noninterest income | 475,000 | 999,000 | 1,488,000 | 1,698,000 |
| Noninterest expense | 3,098,000 | 6,116,000 | 9,146,000 | 12,244,000 |
| Provision for loan losses | 100,000 | 100,000 | 2,100,000 | 7,001,000 |
| Pretax income | 1,630,000 | 3,359,000 | 3,152,000 | -288,000 |
| Income tax | 568,000 | 1,154,000 | 999,000 | -331,000 |
| Net income | 1,062,000 | 2,205,000 | 2,153,000 | 43,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 37,502,000 | 38,646,000 | 38,599,000 | 35,512,000 |
| Total capital | 41,461,000 | 42,050,000 | 43,242,000 | 39,883,000 |
| Risk-weighted assets | 360,136,000 | 363,956,000 | 370,902,000 | 370,901,000 |