Call reports 2005
HERTFORD SAVINGS BANK, SSB — 2005
What HERTFORD SAVINGS BANK, SSB reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 14,740,000 | 14,307,000 | 14,030,000 | 14,094,000 |
| Total loans | 7,762,000 | 7,543,000 | 8,115,000 | 8,186,000 |
| Allowance for loan losses | 30,000 | 30,000 | 30,000 | 30,000 |
| Securities available for sale | 209,000 | 216,000 | 187,000 | 216,000 |
| Securities held to maturity | 301,000 | 300,000 | 300,000 | 300,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 12,895,000 | 12,435,000 | 12,149,000 | 12,176,000 |
| Interest-bearing deposits | 12,328,000 | 11,852,000 | 11,409,000 | 11,369,000 |
| Noninterest-bearing deposits | 567,000 | 583,000 | 740,000 | 807,000 |
| Equity capital | 1,791,000 | 1,817,000 | 1,831,000 | 1,851,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 145,000 | 300,000 | 470,000 | 645,000 |
| Interest expense | 54,000 | 118,000 | 190,000 | 277,000 |
| Net interest income | 91,000 | 182,000 | 280,000 | 368,000 |
| Noninterest income | 1,000 | 2,000 | 4,000 | 6,000 |
| Noninterest expense | 79,000 | 148,000 | 210,000 | 295,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 13,000 | 36,000 | 74,000 | 79,000 |
| Income tax | 0 | 2,000 | 4,000 | 11,000 |
| Net income | 13,000 | 34,000 | 70,000 | 68,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 1,636,000 | 1,657,000 | 1,693,000 | 1,691,000 |
| Total capital | 1,759,000 | 1,783,000 | 1,806,000 | 1,817,000 |
| Risk-weighted assets | 6,100,000 | 5,794,000 | 6,011,000 | 6,038,000 |