Call reports 2002
HERTFORD SAVINGS BANK, SSB — 2002
What HERTFORD SAVINGS BANK, SSB reported to the FFIEC in 2002, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Total assets | 16,315,000 | 16,627,000 | 16,605,000 | 16,729,000 |
| Total loans | 10,246,000 | 10,572,000 | 10,963,000 | 10,461,000 |
| Allowance for loan losses | 30,000 | 30,000 | 30,000 | 30,000 |
| Securities available for sale | 210,000 | 203,000 | 185,000 | 196,000 |
| Securities held to maturity | 560,000 | 560,000 | 570,000 | 576,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 14,610,000 | 14,921,000 | 14,897,000 | 15,002,000 |
| Interest-bearing deposits | 14,146,000 | 14,487,000 | 14,490,000 | 14,433,000 |
| Noninterest-bearing deposits | 464,000 | 434,000 | 407,000 | 569,000 |
| Equity capital | 1,644,000 | 1,653,000 | 1,654,000 | 1,670,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Interest income | 218,000 | 427,000 | 630,000 | 830,000 |
| Interest expense | 146,000 | 279,000 | 405,000 | 521,000 |
| Net interest income | 72,000 | 148,000 | 225,000 | 309,000 |
| Noninterest income | 1,000 | 2,000 | 4,000 | 5,000 |
| Noninterest expense | 66,000 | 129,000 | 194,000 | 271,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 7,000 | 21,000 | 35,000 | 43,000 |
| Income tax | -7,000 | -7,000 | -7,000 | -7,000 |
| Net income | 14,000 | 28,000 | 42,000 | 50,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 1,489,000 | 1,503,000 | 1,517,000 | 1,525,000 |
| Total capital | 1,612,000 | 1,623,000 | 1,629,000 | 1,642,000 |
| Risk-weighted assets | 6,829,000 | 7,046,000 | 7,210,000 | 7,018,000 |