Call reports 2010
HERTFORD SAVINGS BANK, SSB — 2010
What HERTFORD SAVINGS BANK, SSB reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 15,793,000 | 15,469,000 | 15,578,000 | 15,089,000 |
| Total loans | 10,174,000 | 10,344,000 | 10,305,000 | 10,622,000 |
| Allowance for loan losses | 30,000 | 30,000 | 30,000 | 30,000 |
| Securities available for sale | 4,000 | 1,000 | 1,000 | 1,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 14,043,000 | 13,689,000 | 13,766,000 | 13,254,000 |
| Interest-bearing deposits | 13,504,000 | 13,248,000 | 13,290,000 | 12,828,000 |
| Noninterest-bearing deposits | 539,000 | 441,000 | 476,000 | 426,000 |
| Equity capital | 1,739,000 | 1,767,000 | 1,800,000 | 1,821,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 157,000 | 317,000 | 478,000 | 640,000 |
| Interest expense | 59,000 | 116,000 | 170,000 | 220,000 |
| Net interest income | 98,000 | 201,000 | 308,000 | 420,000 |
| Noninterest income | 1,000 | 3,000 | 4,000 | 6,000 |
| Noninterest expense | 73,000 | 144,000 | 220,000 | 313,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 26,000 | 60,000 | 92,000 | 113,000 |
| Income tax | 0 | 3,000 | 3,000 | 3,000 |
| Net income | 26,000 | 57,000 | 89,000 | 110,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 1,738,000 | 1,768,000 | 1,801,000 | 1,822,000 |
| Total capital | 1,768,000 | 1,798,000 | 1,831,000 | 1,852,000 |
| Risk-weighted assets | 6,979,000 | 7,844,000 | 7,755,000 | 7,834,000 |