Call reports 2022
HENDERSON FEDERAL SAVINGS BANK — 2022
What HENDERSON FEDERAL SAVINGS BANK reported to the FFIEC in 2022, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Total assets | 120,342,000 | 121,015,000 | 120,729,000 | 114,073,000 |
| Total loans | 69,635,000 | 71,760,000 | 73,732,000 | 74,870,000 |
| Allowance for loan losses | 1,416,000 | 1,428,000 | 1,432,000 | 1,435,000 |
| Securities available for sale | 13,190,000 | 12,436,000 | 15,663,000 | 13,012,000 |
| Securities held to maturity | 1,000 | 1,000 | 1,000 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 94,719,000 | 95,617,000 | 95,248,000 | 88,103,000 |
| Interest-bearing deposits | 85,808,000 | 86,532,000 | 85,042,000 | 78,231,000 |
| Noninterest-bearing deposits | 8,911,000 | 9,085,000 | 10,206,000 | 9,872,000 |
| Equity capital | 24,960,000 | 24,850,000 | 24,987,000 | 25,410,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Interest income | 970,000 | 2,008,000 | 3,186,000 | 4,503,000 |
| Interest expense | 206,000 | 406,000 | 616,000 | 833,000 |
| Net interest income | 764,000 | 1,602,000 | 2,570,000 | 3,670,000 |
| Noninterest income | 35,000 | 61,000 | 91,000 | 118,000 |
| Noninterest expense | 563,000 | 1,147,000 | 1,728,000 | 2,350,000 |
| Provision for loan losses | 30,000 | 60,000 | 120,000 | 180,000 |
| Pretax income | 206,000 | 456,000 | 813,000 | 1,258,000 |
| Income tax | 46,000 | 101,000 | 179,000 | 276,000 |
| Net income | 160,000 | 355,000 | 634,000 | 982,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Tier 1 capital | 25,335,000 | 25,530,000 | 25,818,000 | 26,166,000 |