Call reports 2014
HERTFORD SAVINGS BANK, SSB — 2014
What HERTFORD SAVINGS BANK, SSB reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 13,946,000 | 14,391,000 | 14,427,000 | 13,959,000 |
| Total loans | 8,461,000 | 8,302,000 | 8,571,000 | 8,532,000 |
| Allowance for loan losses | 81,000 | 81,000 | 81,000 | 81,000 |
| Securities available for sale | 13,000 | 13,000 | 9,000 | 7,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 11,943,000 | 12,412,000 | 12,379,000 | 12,018,000 |
| Interest-bearing deposits | 11,479,000 | 11,977,000 | 11,803,000 | 11,465,000 |
| Noninterest-bearing deposits | 464,000 | 435,000 | 576,000 | 553,000 |
| Equity capital | 1,993,000 | 1,971,000 | 2,026,000 | 1,934,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 119,000 | 235,000 | 354,000 | 485,000 |
| Interest expense | 13,000 | 26,000 | 40,000 | 53,000 |
| Net interest income | 106,000 | 209,000 | 314,000 | 432,000 |
| Noninterest income | 2,000 | 11,000 | 39,000 | -20,000 |
| Noninterest expense | 69,000 | 183,000 | 257,000 | 363,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 39,000 | 37,000 | 96,000 | 49,000 |
| Income tax | 0 | 19,000 | 20,000 | 25,000 |
| Net income | 39,000 | 18,000 | 76,000 | 24,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 1,985,000 | 1,963,000 | 2,021,000 | 1,931,000 |
| Total capital | 2,071,000 | 2,049,000 | 2,105,000 | 2,014,000 |
| Risk-weighted assets | 6,665,000 | 6,795,000 | 6,924,000 | 6,557,000 |