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Hcsb Financial Corp  (HCFB)
Other Ticker:  
 
    Sector  Financial    Industry Commercial Banks
   Industry Commercial Banks
   Sector  Financial
 



 

What are Hcsb Financial's Business Segments?



Real Estate Loans. Residential real estate loans were 35.9% of the portfolio. These loans are secured generally by first or second mortgages on residential, agricultural or commercial property and consist of commercial real estate loans and residential real estate loans (but exclude home equity loans, which are classified as consumer loans).

Due to concerns regarding the economic recession and our concentration of commercial real estate loans, we have focused on reducing the level of these types of loans in our portfolio over the last several years and will maintain a conservative lending strategy toward these types of loans if we are able to close the private placement transaction. Construction and development loans are secured by the real estate for which construction is planned.

Commercial Loans. Commercial loans consist of secured and unsecured loans, lines of credit, and working capital loans. We make these loans to various types of businesses. Included in this category are loans to purchase equipment, finance accounts receivable or inventory, and loans made for working capital purposes.

Consumer Loans. These are loans made to individuals for personal and household purposes, such as secured and unsecured installment and term loans, home equity loans and lines of credit, and revolving lines of credit such as overdraft protection. Automobiles, recreational boats and small recreational vehicles are often pledged as collateral on secured consumer loans.

Agricultural Loans. These are loans made to individuals and businesses for agricultural purposes, including loans to finance crop production and livestock operating expenses, to purchase farm equipment, and to store crops. These loans are secured generally by liens on growing crops and farm equipment. Also included in this category are loans to agri-businesses, which are substantially similar to commercial loans, as discussed above.
   

Hcsb Financial Tax Rate Companies within the Commercial Banks Industry


Business Segments Q1
Revenues
(in millions $)
Q1
Income
(in millions $)
(Mar 31 2017)
%
(Profit Margin)
Total 3.04 0.29 9.65 %

Growth rates by Segment Q1
Y/Y Revenue
%
(Mar 31 2017)
Q/Q Revenue
%
Q1
Y/Y Income
%
(Mar 31 2017)
Q/Q Income
%
Total 224.6 % -23.67 % - -98.07 %

To get more information on Hcsb Financial's Total segment. Select each division with the arrow.


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