Call reports 2013
HERTFORD SAVINGS BANK, SSB — 2013
What HERTFORD SAVINGS BANK, SSB reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 14,874,000 | 14,711,000 | 14,858,000 | 14,144,000 |
| Total loans | 9,183,000 | 8,740,000 | 8,424,000 | 8,320,000 |
| Allowance for loan losses | 87,000 | 81,000 | 81,000 | 81,000 |
| Securities available for sale | 2,000 | 5,000 | 4,000 | 10,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 12,960,000 | 12,766,000 | 12,878,000 | 12,186,000 |
| Interest-bearing deposits | 12,577,000 | 12,308,000 | 12,411,000 | 11,714,000 |
| Noninterest-bearing deposits | 383,000 | 458,000 | 467,000 | 472,000 |
| Equity capital | 1,898,000 | 1,925,000 | 1,950,000 | 1,951,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 143,000 | 270,000 | 392,000 | 515,000 |
| Interest expense | 19,000 | 38,000 | 56,000 | 70,000 |
| Net interest income | 124,000 | 232,000 | 336,000 | 445,000 |
| Noninterest income | 4,000 | 7,000 | 14,000 | 58,000 |
| Noninterest expense | 73,000 | 164,000 | 246,000 | 395,000 |
| Provision for loan losses | 6,000 | 0 | 0 | 0 |
| Pretax income | 49,000 | 75,000 | 104,000 | 108,000 |
| Income tax | 0 | 0 | 4,000 | 11,000 |
| Net income | 49,000 | 75,000 | 100,000 | 97,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 1,898,000 | 1,924,000 | 1,949,000 | 1,946,000 |
| Total capital | 1,985,000 | 2,006,000 | 2,030,000 | 2,030,000 |
| Risk-weighted assets | 7,339,000 | 7,112,000 | 6,824,000 | 6,579,000 |