Call reports 2023
HENDERSON FEDERAL SAVINGS BANK — 2023
What HENDERSON FEDERAL SAVINGS BANK reported to the FFIEC in 2023, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Total assets | 113,281,000 | 114,053,000 | 111,834,000 | 109,767,000 |
| Total loans | 77,340,000 | 76,993,000 | 80,932,000 | 83,967,000 |
| Allowance for loan losses | 1,428,000 | 1,433,000 | 1,415,000 | 1,467,000 |
| Securities available for sale | 13,029,000 | 11,697,000 | 11,351,000 | 9,434,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 86,757,000 | 87,229,000 | 84,625,000 | 82,255,000 |
| Interest-bearing deposits | 76,553,000 | 75,770,000 | 74,897,000 | 74,111,000 |
| Noninterest-bearing deposits | 10,204,000 | 11,459,000 | 9,728,000 | 8,144,000 |
| Equity capital | 25,925,000 | 26,212,000 | 26,458,000 | 27,082,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Interest income | 1,335,000 | 2,729,000 | 4,139,000 | 5,620,000 |
| Interest expense | 258,000 | 596,000 | 973,000 | 1,400,000 |
| Net interest income | 1,077,000 | 2,133,000 | 3,166,000 | 4,220,000 |
| Noninterest income | 30,000 | 57,000 | 85,000 | 111,000 |
| Noninterest expense | 605,000 | 1,182,000 | 1,794,000 | 2,427,000 |
| Provision for loan losses | 30,000 | 45,000 | 60,000 | 75,000 |
| Pretax income | 472,000 | 963,000 | 1,397,000 | 1,829,000 |
| Income tax | 103,000 | 209,000 | 304,000 | 397,000 |
| Net income | 369,000 | 754,000 | 1,093,000 | 1,432,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Tier 1 capital | 26,535,000 | 26,920,000 | 27,259,000 | 27,606,000 |