Call reports 2017
HERTFORD SAVINGS BANK, SSB — 2017
What HERTFORD SAVINGS BANK, SSB reported to the FFIEC in 2017, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Total assets | 11,950,000 | 11,455,000 | 11,381,000 | 11,977,000 |
| Total loans | 8,073,000 | 8,077,000 | 8,118,000 | 8,426,000 |
| Allowance for loan losses | 81,000 | 81,000 | 81,000 | 69,000 |
| Securities available for sale | 8,000 | 7,000 | 10,000 | 8,000 |
| Securities held to maturity | 277,000 | 276,000 | 275,000 | 275,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 9,892,000 | 9,372,000 | 9,251,000 | 9,853,000 |
| Interest-bearing deposits | 9,268,000 | 8,790,000 | 8,742,000 | 9,214,000 |
| Noninterest-bearing deposits | 624,000 | 582,000 | 509,000 | 639,000 |
| Equity capital | 2,030,000 | 2,069,000 | 2,088,000 | 2,108,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Interest income | 120,000 | 246,000 | 367,000 | 502,000 |
| Interest expense | 10,000 | 20,000 | 31,000 | 44,000 |
| Net interest income | 110,000 | 226,000 | 336,000 | 458,000 |
| Noninterest income | 2,000 | 3,000 | 3,000 | 6,000 |
| Noninterest expense | 90,000 | 165,000 | 260,000 | 364,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 22,000 | 64,000 | 79,000 | 100,000 |
| Income tax | 0 | 3,000 | 0 | 0 |
| Net income | 22,000 | 61,000 | 79,000 | 100,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,030,000 | 2,069,000 | 2,081,000 | 2,108,000 |
| Total capital | 2,108,000 | 2,145,000 | 2,159,000 | 2,177,000 |
| Risk-weighted assets | 6,259,000 | 6,087,000 | 6,023,000 | 6,217,000 |