Call reports 2015
HENDERSON FEDERAL SAVINGS BANK — 2015
What HENDERSON FEDERAL SAVINGS BANK reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 113,945,000 | 114,318,000 | 114,608,000 | 114,000,000 |
| Total loans | 73,688,000 | 71,474,000 | 71,460,000 | 72,019,000 |
| Allowance for loan losses | 1,047,000 | 1,092,000 | 1,136,000 | 1,168,000 |
| Securities available for sale | 28,533,000 | 29,924,000 | 28,089,000 | 26,619,000 |
| Securities held to maturity | 57,000 | 54,000 | 50,000 | 47,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 93,395,000 | 93,598,000 | 93,573,000 | 92,858,000 |
| Interest-bearing deposits | 90,174,000 | 89,801,000 | 89,818,000 | 89,226,000 |
| Noninterest-bearing deposits | 3,221,000 | 3,797,000 | 3,755,000 | 3,632,000 |
| Equity capital | 19,963,000 | 20,148,000 | 20,356,000 | 20,585,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 1,230,000 | 2,408,000 | 3,587,000 | 4,770,000 |
| Interest expense | 250,000 | 503,000 | 748,000 | 991,000 |
| Net interest income | 980,000 | 1,905,000 | 2,839,000 | 3,779,000 |
| Noninterest income | 26,000 | 4,000 | 83,000 | 275,000 |
| Noninterest expense | 643,000 | 1,261,000 | 1,897,000 | 2,581,000 |
| Provision for loan losses | 45,000 | 90,000 | 135,000 | 180,000 |
| Pretax income | 318,000 | 558,000 | 890,000 | 1,293,000 |
| Income tax | 109,000 | 192,000 | 305,000 | 443,000 |
| Net income | 209,000 | 366,000 | 585,000 | 850,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 19,813,000 | 19,972,000 | 20,196,000 | 20,462,000 |
| Total capital | 20,478,000 | 20,635,000 | 20,853,000 | 21,122,000 |
| Risk-weighted assets | 52,889,000 | 52,554,000 | 52,063,000 | 52,287,000 |