Call reports 2011
HERTFORD SAVINGS BANK, SSB — 2011
What HERTFORD SAVINGS BANK, SSB reported to the FFIEC in 2011, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Total assets | 15,524,000 | 15,650,000 | 16,084,000 | 15,933,000 |
| Total loans | 10,829,000 | 10,268,000 | 10,207,000 | 10,056,000 |
| Allowance for loan losses | 30,000 | 30,000 | 36,000 | 42,000 |
| Securities available for sale | 1,000 | 1,000 | 1,000 | 1,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 13,665,000 | 13,745,000 | 14,140,000 | 14,005,000 |
| Interest-bearing deposits | 13,225,000 | 13,314,000 | 13,685,000 | 13,430,000 |
| Noninterest-bearing deposits | 440,000 | 431,000 | 455,000 | 575,000 |
| Equity capital | 1,849,000 | 1,893,000 | 1,925,000 | 1,920,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Interest income | 161,000 | 321,000 | 471,000 | 635,000 |
| Interest expense | 44,000 | 86,000 | 122,000 | 154,000 |
| Net interest income | 117,000 | 235,000 | 349,000 | 481,000 |
| Noninterest income | 2,000 | 6,000 | 7,000 | 9,000 |
| Noninterest expense | 81,000 | 157,000 | 233,000 | 362,000 |
| Provision for loan losses | 0 | 0 | 6,000 | 12,000 |
| Pretax income | 38,000 | 84,000 | 117,000 | 116,000 |
| Income tax | 10,000 | 12,000 | 13,000 | 17,000 |
| Net income | 28,000 | 72,000 | 104,000 | 99,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Tier 1 capital | 1,850,000 | 1,894,000 | 1,927,000 | 1,922,000 |
| Total capital | 1,880,000 | 1,924,000 | 1,963,000 | 1,964,000 |
| Risk-weighted assets | 8,057,000 | 7,733,000 | 7,872,000 | 7,706,000 |