Call reports 2019
HERTFORD SAVINGS BANK, SSB — 2019
What HERTFORD SAVINGS BANK, SSB reported to the FFIEC in 2019, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Total assets | 13,245,000 | 13,045,000 | 12,939,000 | 12,996,000 |
| Total loans | 9,483,000 | 10,351,000 | 10,453,000 | 10,821,000 |
| Allowance for loan losses | 69,000 | 69,000 | 69,000 | 69,000 |
| Securities available for sale | 9,000 | 9,000 | 12,000 | 10,000 |
| Securities held to maturity | 269,000 | 269,000 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 11,043,000 | 10,879,000 | 10,744,000 | 10,794,000 |
| Interest-bearing deposits | 10,371,000 | 10,183,000 | 10,022,000 | 10,077,000 |
| Noninterest-bearing deposits | 672,000 | 696,000 | 722,000 | 717,000 |
| Equity capital | 2,183,000 | 2,145,000 | 2,157,000 | 2,162,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Interest income | 141,000 | 287,000 | 439,000 | 606,000 |
| Interest expense | 27,000 | 57,000 | 89,000 | 124,000 |
| Net interest income | 114,000 | 230,000 | 350,000 | 482,000 |
| Noninterest income | 1,000 | -25,000 | -24,000 | -22,000 |
| Noninterest expense | 101,000 | 195,000 | 302,000 | 419,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 14,000 | 10,000 | 24,000 | 41,000 |
| Income tax | 0 | 12,000 | 17,000 | 23,000 |
| Net income | 14,000 | -2,000 | 7,000 | 18,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,178,000 | 2,141,000 | 2,150,000 | 2,162,000 |
| Total capital | 2,247,000 | 2,210,000 | 2,219,000 | 2,231,000 |
| Risk-weighted assets | 7,229,000 | 7,595,000 | 7,617,000 | 7,740,000 |