Call reports 2012
HENDERSON FEDERAL SAVINGS BANK — 2012
What HENDERSON FEDERAL SAVINGS BANK 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 | 112,461,000 | 113,011,000 | 112,599,000 | 111,237,000 |
| Total loans | 79,146,000 | 79,691,000 | 78,789,000 | 78,125,000 |
| Allowance for loan losses | 911,000 | 928,000 | 716,000 | 735,000 |
| Securities available for sale | 21,264,000 | 21,384,000 | 21,356,000 | 20,391,000 |
| Securities held to maturity | 100,000 | 98,000 | 95,000 | 91,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 89,364,000 | 91,108,000 | 92,277,000 | 92,629,000 |
| Interest-bearing deposits | 86,034,000 | 88,038,000 | 89,641,000 | 89,781,000 |
| Noninterest-bearing deposits | 3,330,000 | 3,070,000 | 2,636,000 | 2,848,000 |
| Equity capital | 16,789,000 | 17,116,000 | 17,404,000 | 17,809,000 |
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 | 1,387,000 | 2,766,000 | 4,132,000 | 5,503,000 |
| Interest expense | 309,000 | 611,000 | 911,000 | 1,201,000 |
| Net interest income | 1,078,000 | 2,155,000 | 3,221,000 | 4,302,000 |
| Noninterest income | 22,000 | 40,000 | 61,000 | 102,000 |
| Noninterest expense | 586,000 | 1,144,000 | 1,721,000 | 2,353,000 |
| Provision for loan losses | 45,000 | 90,000 | 135,000 | 180,000 |
| Pretax income | 469,000 | 961,000 | 1,426,000 | 1,871,000 |
| Income tax | 160,000 | 328,000 | 486,000 | 639,000 |
| Net income | 309,000 | 633,000 | 940,000 | 1,232,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 16,556,000 | 16,881,000 | 17,189,000 | 17,481,000 |
| Total capital | 17,255,000 | 17,594,000 | 17,905,000 | 18,194,000 |
| Risk-weighted assets | 55,765,000 | 57,032,000 | 56,736,000 | 56,258,000 |