Call reports 2003
HERTFORD SAVINGS BANK, SSB — 2003
What HERTFORD SAVINGS BANK, SSB reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 16,299,000 | 15,978,000 | 15,564,000 | 15,861,000 |
| Total loans | 10,108,000 | 9,937,000 | 8,461,000 | 8,352,000 |
| Allowance for loan losses | 30,000 | 30,000 | 30,000 | 30,000 |
| Securities available for sale | 176,000 | 168,000 | 173,000 | 193,000 |
| Securities held to maturity | 575,000 | 575,000 | 304,000 | 303,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 14,586,000 | 14,245,000 | 13,787,000 | 14,072,000 |
| Interest-bearing deposits | 14,152,000 | 13,606,000 | 13,089,000 | 13,377,000 |
| Noninterest-bearing deposits | 434,000 | 639,000 | 698,000 | 695,000 |
| Equity capital | 1,666,000 | 1,688,000 | 1,730,000 | 1,725,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 180,000 | 353,000 | 518,000 | 649,000 |
| Interest expense | 102,000 | 181,000 | 254,000 | 318,000 |
| Net interest income | 78,000 | 172,000 | 264,000 | 331,000 |
| Noninterest income | 1,000 | 1,000 | 2,000 | 4,000 |
| Noninterest expense | 68,000 | 133,000 | 187,000 | 263,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 11,000 | 40,000 | 79,000 | 72,000 |
| Income tax | 0 | 1,000 | 2,000 | 15,000 |
| Net income | 11,000 | 39,000 | 77,000 | 57,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 1,536,000 | 1,564,000 | 1,602,000 | 1,582,000 |
| Total capital | 1,644,000 | 1,668,000 | 1,709,000 | 1,698,000 |
| Risk-weighted assets | 6,911,000 | 6,835,000 | 6,291,000 | 6,369,000 |