Call reports 2014
HENDERSON FEDERAL SAVINGS BANK — 2014
What HENDERSON FEDERAL SAVINGS BANK reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 113,343,000 | 113,357,000 | 114,723,000 | 113,527,000 |
| Total loans | 75,715,000 | 74,999,000 | 74,438,000 | 73,955,000 |
| Allowance for loan losses | 899,000 | 936,000 | 979,000 | 1,028,000 |
| Securities available for sale | 26,041,000 | 26,443,000 | 26,592,000 | 28,107,000 |
| Securities held to maturity | 70,000 | 67,000 | 64,000 | 61,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 93,665,000 | 93,538,000 | 94,517,000 | 93,210,000 |
| Interest-bearing deposits | 90,727,000 | 90,423,000 | 91,380,000 | 90,364,000 |
| Noninterest-bearing deposits | 2,938,000 | 3,115,000 | 3,137,000 | 2,846,000 |
| Equity capital | 19,073,000 | 19,343,000 | 19,614,000 | 19,783,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 1,295,000 | 2,563,000 | 3,863,000 | 5,091,000 |
| Interest expense | 256,000 | 512,000 | 775,000 | 1,033,000 |
| Net interest income | 1,039,000 | 2,051,000 | 3,088,000 | 4,058,000 |
| Noninterest income | 24,000 | 50,000 | 78,000 | 105,000 |
| Noninterest expense | 626,000 | 1,231,000 | 1,833,000 | 2,485,000 |
| Provision for loan losses | 45,000 | 90,000 | 135,000 | 180,000 |
| Pretax income | 392,000 | 780,000 | 1,198,000 | 1,498,000 |
| Income tax | 134,000 | 262,000 | 409,000 | 512,000 |
| Net income | 258,000 | 518,000 | 789,000 | 986,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 18,873,000 | 19,138,000 | 19,407,000 | 19,605,000 |
| Total capital | 19,550,000 | 19,819,000 | 20,086,000 | 20,275,000 |
| Risk-weighted assets | 53,884,000 | 54,255,000 | 54,005,000 | 53,227,000 |