Call reports 2016
HARDIN COUNTY BANK, THE — 2016
What HARDIN COUNTY BANK, THE 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 | 454,238,000 | 446,166,000 | 449,625,000 | 442,942,000 |
| Total loans | 354,615,000 | 357,805,000 | 345,150,000 | 351,895,000 |
| Allowance for loan losses | 4,223,000 | 4,186,000 | 4,174,000 | 4,184,000 |
| Securities available for sale | 49,506,000 | 52,817,000 | 53,754,000 | 55,473,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 401,738,000 | 391,689,000 | 393,338,000 | 381,349,000 |
| Interest-bearing deposits | 338,287,000 | 328,237,000 | 320,457,000 | 315,562,000 |
| Noninterest-bearing deposits | 63,451,000 | 63,452,000 | 72,881,000 | 65,787,000 |
| Equity capital | 37,002,000 | 38,681,000 | 39,993,000 | 35,949,000 |
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 | 4,890,000 | 9,820,000 | 14,773,000 | 19,708,000 |
| Interest expense | 634,000 | 1,279,000 | 1,921,000 | 2,565,000 |
| Net interest income | 4,256,000 | 8,541,000 | 12,852,000 | 17,143,000 |
| Noninterest income | 473,000 | 995,000 | 1,799,000 | 1,829,000 |
| Noninterest expense | 3,017,000 | 5,999,000 | 8,991,000 | 11,788,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 1,741,000 | 3,588,000 | 5,897,000 | 7,421,000 |
| Income tax | 593,000 | 1,192,000 | 1,912,000 | 2,350,000 |
| Net income | 1,148,000 | 2,396,000 | 3,985,000 | 5,071,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 36,611,000 | 37,864,000 | 39,457,000 | 37,798,000 |
| Total capital | 40,834,000 | 42,050,000 | 43,631,000 | 41,982,000 |
| Risk-weighted assets | 370,612,000 | 367,457,000 | 357,376,000 | 365,794,000 |