Call reports 2016
HENDERSON FEDERAL SAVINGS BANK — 2016
What HENDERSON FEDERAL SAVINGS BANK reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 114,475,000 | 114,085,000 | 113,473,000 | 111,558,000 |
| Total loans | 72,516,000 | 72,513,000 | 73,068,000 | 72,755,000 |
| Allowance for loan losses | 1,061,000 | 1,070,000 | 1,099,000 | 1,057,000 |
| Securities available for sale | 25,331,000 | 23,795,000 | 22,793,000 | 21,025,000 |
| Securities held to maturity | 43,000 | 40,000 | 37,000 | 34,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 93,093,000 | 92,530,000 | 91,574,000 | 89,674,000 |
| Interest-bearing deposits | 89,726,000 | 89,208,000 | 88,101,000 | 86,283,000 |
| Noninterest-bearing deposits | 3,367,000 | 3,322,000 | 3,473,000 | 3,391,000 |
| Equity capital | 20,807,000 | 21,008,000 | 21,215,000 | 21,330,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 1,165,000 | 2,322,000 | 3,508,000 | 4,674,000 |
| Interest expense | 242,000 | 480,000 | 720,000 | 956,000 |
| Net interest income | 923,000 | 1,842,000 | 2,788,000 | 3,718,000 |
| Noninterest income | 31,000 | 48,000 | 80,000 | 111,000 |
| Noninterest expense | 613,000 | 1,211,000 | 1,873,000 | 2,559,000 |
| Provision for loan losses | 30,000 | 60,000 | 90,000 | 120,000 |
| Pretax income | 311,000 | 619,000 | 905,000 | 1,191,000 |
| Income tax | 107,000 | 214,000 | 300,000 | 400,000 |
| Net income | 204,000 | 405,000 | 605,000 | 791,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 20,668,000 | 20,874,000 | 21,077,000 | 21,266,000 |
| Total capital | 21,329,000 | 21,534,000 | 21,743,000 | 21,937,000 |
| Risk-weighted assets | 52,533,000 | 52,428,000 | 52,883,000 | 53,193,000 |