Call reports 2015
HERTFORD SAVINGS BANK, SSB — 2015
What HERTFORD SAVINGS BANK, SSB reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 13,561,000 | 13,181,000 | 13,106,000 | 12,852,000 |
| Total loans | 7,949,000 | 7,694,000 | 7,478,000 | 7,463,000 |
| Allowance for loan losses | 81,000 | 81,000 | 81,000 | 81,000 |
| Securities available for sale | 7,000 | 7,000 | 7,000 | 7,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 11,617,000 | 11,166,000 | 11,084,000 | 10,854,000 |
| Interest-bearing deposits | 11,104,000 | 10,507,000 | 10,378,000 | 10,138,000 |
| Noninterest-bearing deposits | 513,000 | 659,000 | 706,000 | 716,000 |
| Equity capital | 1,932,000 | 1,996,000 | 2,005,000 | 1,998,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 127,000 | 238,000 | 348,000 | 464,000 |
| Interest expense | 13,000 | 26,000 | 38,000 | 51,000 |
| Net interest income | 114,000 | 212,000 | 310,000 | 413,000 |
| Noninterest income | 1,000 | -2,000 | 1,000 | 2,000 |
| Noninterest expense | 106,000 | 188,000 | 297,000 | 407,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 9,000 | 22,000 | 14,000 | 8,000 |
| Income tax | 12,000 | 19,000 | 3,000 | 3,000 |
| Net income | -3,000 | 3,000 | 11,000 | 5,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 1,929,000 | 1,993,000 | 2,002,000 | 1,995,000 |
| Total capital | 2,009,000 | 2,071,000 | 2,085,000 | 2,078,000 |
| Risk-weighted assets | 6,252,000 | 6,102,000 | 6,501,000 | 6,561,000 |