Call reports 2012
HERTFORD SAVINGS BANK, SSB — 2012
What HERTFORD SAVINGS BANK, SSB reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 15,535,000 | 15,131,000 | 15,228,000 | 14,761,000 |
| Total loans | 10,018,000 | 9,548,000 | 9,580,000 | 9,429,000 |
| Allowance for loan losses | 48,000 | 54,000 | 60,000 | 81,000 |
| 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 | 13,571,000 | 13,160,000 | 13,197,000 | 12,888,000 |
| Interest-bearing deposits | 13,012,000 | 12,653,000 | 12,704,000 | 12,405,000 |
| Noninterest-bearing deposits | 559,000 | 507,000 | 493,000 | 483,000 |
| Equity capital | 1,950,000 | 1,951,000 | 1,990,000 | 1,848,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 145,000 | 289,000 | 427,000 | 570,000 |
| Interest expense | 27,000 | 49,000 | 71,000 | 93,000 |
| Net interest income | 118,000 | 240,000 | 356,000 | 477,000 |
| Noninterest income | 2,000 | 3,000 | 8,000 | -39,000 |
| Noninterest expense | 76,000 | 158,000 | 227,000 | 356,000 |
| Provision for loan losses | 6,000 | 12,000 | 18,000 | 105,000 |
| Pretax income | 38,000 | 73,000 | 119,000 | -23,000 |
| Income tax | 8,000 | 42,000 | 49,000 | 49,000 |
| Net income | 30,000 | 31,000 | 70,000 | -72,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 1,951,000 | 1,952,000 | 1,991,000 | 1,849,000 |
| Total capital | 1,999,000 | 2,006,000 | 2,051,000 | 1,930,000 |
| Risk-weighted assets | 7,640,000 | 7,516,000 | 7,501,000 | 7,557,000 |