Call reports 2007
HERTFORD SAVINGS BANK, SSB — 2007
What HERTFORD SAVINGS BANK, SSB reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 14,573,000 | 14,590,000 | 14,839,000 | 15,183,000 |
| Total loans | 8,650,000 | 8,846,000 | 9,031,000 | 9,413,000 |
| Allowance for loan losses | 30,000 | 30,000 | 30,000 | 30,000 |
| Securities available for sale | 197,000 | 201,000 | 195,000 | 113,000 |
| Securities held to maturity | 300,000 | 300,000 | 300,000 | 300,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 12,617,000 | 12,614,000 | 12,848,000 | 13,283,000 |
| Interest-bearing deposits | 11,857,000 | 11,807,000 | 12,065,000 | 12,596,000 |
| Noninterest-bearing deposits | 760,000 | 807,000 | 783,000 | 687,000 |
| Equity capital | 1,902,000 | 1,923,000 | 1,935,000 | 1,864,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 218,000 | 439,000 | 654,000 | 867,000 |
| Interest expense | 122,000 | 251,000 | 384,000 | 522,000 |
| Net interest income | 96,000 | 188,000 | 270,000 | 345,000 |
| Noninterest income | 1,000 | 3,000 | 4,000 | 5,000 |
| Noninterest expense | 77,000 | 153,000 | 220,000 | 305,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 20,000 | 38,000 | 54,000 | 45,000 |
| Income tax | 3,000 | 3,000 | 3,000 | 3,000 |
| Net income | 17,000 | 35,000 | 51,000 | 42,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 1,756,000 | 1,774,000 | 1,790,000 | 1,781,000 |
| Total capital | 1,873,000 | 1,893,000 | 1,906,000 | 1,861,000 |
| Risk-weighted assets | 6,170,000 | 6,131,000 | 6,340,000 | 6,561,000 |