Call reports 2008
HERTFORD SAVINGS BANK, SSB — 2008
What HERTFORD SAVINGS BANK, SSB reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 15,408,000 | 15,781,000 | 16,108,000 | 15,342,000 |
| Total loans | 9,727,000 | 10,077,000 | 10,471,000 | 10,467,000 |
| Allowance for loan losses | 30,000 | 30,000 | 30,000 | 30,000 |
| Securities available for sale | 84,000 | 54,000 | 6,000 | 2,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 13,560,000 | 13,992,000 | 14,371,000 | 13,635,000 |
| Interest-bearing deposits | 12,904,000 | 13,292,000 | 13,425,000 | 12,970,000 |
| Noninterest-bearing deposits | 656,000 | 700,000 | 946,000 | 665,000 |
| Equity capital | 1,822,000 | 1,773,000 | 1,731,000 | 1,699,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 197,000 | 387,000 | 570,000 | 750,000 |
| Interest expense | 138,000 | 267,000 | 391,000 | 501,000 |
| Net interest income | 59,000 | 120,000 | 179,000 | 249,000 |
| Noninterest income | 1,000 | 2,000 | 4,000 | 5,000 |
| Noninterest expense | 77,000 | 163,000 | 229,000 | 330,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | -17,000 | -41,000 | -46,000 | -76,000 |
| Income tax | 3,000 | 6,000 | 6,000 | 6,000 |
| Net income | -20,000 | -47,000 | -52,000 | -82,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 1,761,000 | 1,734,000 | 1,729,000 | 1,699,000 |
| Total capital | 1,827,000 | 1,787,000 | 1,760,000 | 1,729,000 |
| Risk-weighted assets | 6,775,000 | 7,020,000 | 7,209,000 | 6,857,000 |