Call reports 2016
HERTFORD SAVINGS BANK, SSB — 2016
What HERTFORD SAVINGS BANK, SSB reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 12,810,000 | 12,399,000 | 12,230,000 | 12,259,000 |
| Total loans | 7,185,000 | 7,509,000 | 7,939,000 | 8,035,000 |
| Allowance for loan losses | 81,000 | 81,000 | 81,000 | 81,000 |
| Securities available for sale | 4,000 | 6,000 | 6,000 | 12,000 |
| Securities held to maturity | 0 | 280,000 | 279,000 | 278,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 10,811,000 | 10,393,000 | 10,196,000 | 10,239,000 |
| Interest-bearing deposits | 10,216,000 | 9,748,000 | 9,562,000 | 9,580,000 |
| Noninterest-bearing deposits | 595,000 | 645,000 | 634,000 | 659,000 |
| Equity capital | 1,995,000 | 2,006,000 | 2,025,000 | 2,014,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 97,000 | 206,000 | 321,000 | 450,000 |
| Interest expense | 12,000 | 24,000 | 35,000 | 45,000 |
| Net interest income | 85,000 | 182,000 | 286,000 | 405,000 |
| Noninterest income | 2,000 | 4,000 | 5,000 | 6,000 |
| Noninterest expense | 88,000 | 178,000 | 264,000 | 401,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | -1,000 | 8,000 | 27,000 | 10,000 |
| Income tax | 0 | -1,000 | -1,000 | -1,000 |
| Net income | -1,000 | 9,000 | 28,000 | 11,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 1,995,000 | 2,006,000 | 2,023,000 | 2,014,000 |
| Total capital | 2,069,000 | 2,087,000 | 2,105,000 | 2,092,000 |
| Risk-weighted assets | 5,983,000 | 7,227,000 | 6,562,000 | 6,299,000 |