Call reports 2009
HERTFORD SAVINGS BANK, SSB — 2009
What HERTFORD SAVINGS BANK, SSB reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 15,361,000 | 15,652,000 | 15,699,000 | 15,371,000 |
| Total loans | 10,334,000 | 10,123,000 | 10,178,000 | 10,020,000 |
| Allowance for loan losses | 30,000 | 30,000 | 30,000 | 30,000 |
| Securities available for sale | 2,000 | 2,000 | 6,000 | 5,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 13,664,000 | 13,945,000 | 13,972,000 | 13,643,000 |
| Interest-bearing deposits | 13,086,000 | 13,407,000 | 13,474,000 | 13,077,000 |
| Noninterest-bearing deposits | 578,000 | 538,000 | 498,000 | 566,000 |
| Equity capital | 1,693,000 | 1,699,000 | 1,723,000 | 1,713,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 176,000 | 348,000 | 516,000 | 681,000 |
| Interest expense | 99,000 | 187,000 | 263,000 | 333,000 |
| Net interest income | 77,000 | 161,000 | 253,000 | 348,000 |
| Noninterest income | 1,000 | 2,000 | 3,000 | 4,000 |
| Noninterest expense | 84,000 | 160,000 | 235,000 | 340,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | -6,000 | 3,000 | 21,000 | 12,000 |
| Income tax | 0 | 3,000 | 0 | 0 |
| Net income | -6,000 | 0 | 21,000 | 12,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 1,693,000 | 1,699,000 | 1,720,000 | 1,712,000 |
| Total capital | 1,723,000 | 1,729,000 | 1,751,000 | 1,743,000 |
| Risk-weighted assets | 6,909,000 | 6,955,000 | 6,848,000 | 6,737,000 |