Call reports 2004
HERTFORD SAVINGS BANK, SSB — 2004
What HERTFORD SAVINGS BANK, SSB reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 15,364,000 | 15,384,000 | 15,044,000 | 14,765,000 |
| Total loans | 8,358,000 | 8,500,000 | 7,978,000 | 7,856,000 |
| Allowance for loan losses | 30,000 | 30,000 | 30,000 | 30,000 |
| Securities available for sale | 196,000 | 210,000 | 216,000 | 244,000 |
| Securities held to maturity | 303,000 | 302,000 | 302,000 | 301,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 13,581,000 | 13,577,000 | 13,208,000 | 12,894,000 |
| Interest-bearing deposits | 12,788,000 | 12,816,000 | 12,505,000 | 12,332,000 |
| Noninterest-bearing deposits | 793,000 | 761,000 | 703,000 | 562,000 |
| Equity capital | 1,732,000 | 1,753,000 | 1,779,000 | 1,804,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 134,000 | 258,000 | 396,000 | 539,000 |
| Interest expense | 59,000 | 113,000 | 167,000 | 219,000 |
| Net interest income | 75,000 | 145,000 | 229,000 | 320,000 |
| Noninterest income | 1,000 | 2,000 | 2,000 | 4,000 |
| Noninterest expense | 81,000 | 141,000 | 202,000 | 280,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | -5,000 | 6,000 | 29,000 | 44,000 |
| Income tax | -11,000 | -10,000 | -8,000 | 3,000 |
| Net income | 6,000 | 16,000 | 37,000 | 41,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 1,587,000 | 1,598,000 | 1,619,000 | 1,623,000 |
| Total capital | 1,704,000 | 1,721,000 | 1,745,000 | 1,761,000 |
| Risk-weighted assets | 6,435,000 | 6,316,000 | 6,144,000 | 6,087,000 |