Call reports 2020
HERTFORD SAVINGS BANK, SSB — 2020
What HERTFORD SAVINGS BANK, SSB reported to the FFIEC in 2020, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Total assets | 13,835,000 | 14,612,000 | 15,149,000 | 15,069,000 |
| Total loans | 10,892,000 | 11,150,000 | 11,157,000 | 10,997,000 |
| Allowance for loan losses | 69,000 | 69,000 | 69,000 | 69,000 |
| Securities available for sale | 4,000 | 0 | 0 | 7,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 11,630,000 | 12,397,000 | 12,912,000 | 12,907,000 |
| Interest-bearing deposits | 10,888,000 | 11,558,000 | 11,854,000 | 12,027,000 |
| Noninterest-bearing deposits | 742,000 | 839,000 | 1,058,000 | 880,000 |
| Equity capital | 2,166,000 | 2,175,000 | 2,187,000 | 2,111,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Interest income | 132,000 | 289,000 | 438,000 | 590,000 |
| Interest expense | 32,000 | 63,000 | 92,000 | 118,000 |
| Net interest income | 100,000 | 226,000 | 346,000 | 472,000 |
| Noninterest income | 2,000 | 11,000 | 15,000 | -34,000 |
| Noninterest expense | 98,000 | 226,000 | 333,000 | 481,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 4,000 | 11,000 | 28,000 | -43,000 |
| Income tax | 0 | 9,000 | 14,000 | 19,000 |
| Net income | 4,000 | 2,000 | 14,000 | -62,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,166,000 | 2,175,000 | 2,187,000 | 2,111,000 |
| Total capital | — | — | 2,256,000 | — |
| Risk-weighted assets | — | — | 8,140,000 | — |