Call reports 2013
HENDERSON FEDERAL SAVINGS BANK — 2013
What HENDERSON FEDERAL SAVINGS BANK reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 111,658,000 | 111,537,000 | 112,888,000 | 111,733,000 |
| Total loans | 76,115,000 | 76,143,000 | 77,379,000 | 76,002,000 |
| Allowance for loan losses | 780,000 | 801,000 | 846,000 | 861,000 |
| Securities available for sale | 21,736,000 | 23,122,000 | 23,174,000 | 24,470,000 |
| Securities held to maturity | 87,000 | 83,000 | 79,000 | 74,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 92,686,000 | 92,594,000 | 93,623,000 | 92,356,000 |
| Interest-bearing deposits | 89,643,000 | 89,673,000 | 90,418,000 | 89,654,000 |
| Noninterest-bearing deposits | 3,043,000 | 2,921,000 | 3,205,000 | 2,702,000 |
| Equity capital | 18,080,000 | 18,388,000 | 18,577,000 | 18,820,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 1,316,000 | 2,623,000 | 3,916,000 | 5,234,000 |
| Interest expense | 274,000 | 540,000 | 806,000 | 1,071,000 |
| Net interest income | 1,042,000 | 2,083,000 | 3,110,000 | 4,163,000 |
| Noninterest income | 22,000 | 129,000 | 160,000 | 186,000 |
| Noninterest expense | 605,000 | 1,223,000 | 1,814,000 | 2,450,000 |
| Provision for loan losses | 45,000 | 90,000 | 135,000 | 180,000 |
| Pretax income | 414,000 | 899,000 | 1,321,000 | 1,719,000 |
| Income tax | 141,000 | 304,000 | 451,000 | 587,000 |
| Net income | 273,000 | 595,000 | 870,000 | 1,132,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 17,754,000 | 18,075,000 | 18,354,000 | 18,616,000 |
| Total capital | 18,442,000 | 18,754,000 | 19,054,000 | 19,291,000 |
| Risk-weighted assets | 54,949,000 | 54,256,000 | 55,074,000 | 53,812,000 |