Call reports 2001
HERTFORD SAVINGS BANK, SSB — 2001
What HERTFORD SAVINGS BANK, SSB reported to the FFIEC in 2001, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Total assets | 15,967,000 | 16,063,000 | 16,452,000 | 16,709,000 |
| Total loans | 10,865,000 | 11,019,000 | 10,680,000 | 10,188,000 |
| Allowance for loan losses | 30,000 | 30,000 | 30,000 | 30,000 |
| Securities available for sale | 215,000 | 232,000 | 215,000 | 217,000 |
| Securities held to maturity | 560,000 | 560,000 | 560,000 | 560,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 14,274,000 | 14,362,000 | 14,739,000 | 15,011,000 |
| Interest-bearing deposits | 13,943,000 | 13,977,000 | 14,354,000 | 14,611,000 |
| Noninterest-bearing deposits | 331,000 | 385,000 | 385,000 | 400,000 |
| Equity capital | 1,628,000 | 1,638,000 | 1,647,000 | 1,635,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Interest income | 278,000 | 544,000 | 808,000 | 1,040,000 |
| Interest expense | 190,000 | 380,000 | 568,000 | 735,000 |
| Net interest income | 88,000 | 164,000 | 240,000 | 305,000 |
| Noninterest income | 1,000 | 2,000 | 4,000 | 6,000 |
| Noninterest expense | 59,000 | 118,000 | 175,000 | 254,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 30,000 | 48,000 | 69,000 | 57,000 |
| Income tax | 11,000 | 32,000 | 32,000 | 32,000 |
| Net income | 19,000 | 16,000 | 37,000 | 25,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Tier 1 capital | 1,469,000 | 1,466,000 | 1,488,000 | 1,475,000 |
| Total capital | 1,594,000 | 1,599,000 | 1,613,000 | 1,601,000 |
| Risk-weighted assets | 7,217,000 | 7,199,000 | 7,168,000 | 6,971,000 |