Call reports 2020
HENDERSON FEDERAL SAVINGS BANK — 2020
What HENDERSON FEDERAL SAVINGS BANK reported to the FFIEC in 2020, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Total assets | 107,198,000 | 109,384,000 | 110,969,000 | 111,591,000 |
| Total loans | 78,126,000 | 79,333,000 | 78,516,000 | 75,286,000 |
| Allowance for loan losses | 1,361,000 | 1,304,000 | 1,324,000 | 1,329,000 |
| Securities available for sale | 10,072,000 | 9,799,000 | 11,701,000 | 12,533,000 |
| Securities held to maturity | 5,000 | 4,000 | 4,000 | 3,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 82,534,000 | 84,546,000 | 85,950,000 | 86,524,000 |
| Interest-bearing deposits | 78,015,000 | 78,407,000 | 79,966,000 | 80,458,000 |
| Noninterest-bearing deposits | 4,519,000 | 6,139,000 | 5,984,000 | 6,066,000 |
| Equity capital | 24,208,000 | 24,408,000 | 24,568,000 | 24,667,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Interest income | 1,239,000 | 2,444,000 | 3,591,000 | 4,764,000 |
| Interest expense | 313,000 | 611,000 | 895,000 | 1,163,000 |
| Net interest income | 926,000 | 1,833,000 | 2,696,000 | 3,601,000 |
| Noninterest income | 25,000 | 47,000 | 72,000 | 76,000 |
| Noninterest expense | 593,000 | 1,192,000 | 1,763,000 | 2,450,000 |
| Provision for loan losses | 80,000 | 180,000 | 250,000 | 320,000 |
| Pretax income | 278,000 | 508,000 | 755,000 | 907,000 |
| Income tax | 59,000 | 108,000 | 165,000 | 186,000 |
| Net income | 219,000 | 400,000 | 590,000 | 721,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Tier 1 capital | 24,070,000 | 24,251,000 | 24,453,000 | 24,584,000 |