Call reports 2021
HERTFORD SAVINGS BANK, SSB — 2021
What HERTFORD SAVINGS BANK, SSB reported to the FFIEC in 2021, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Total assets | 15,175,000 | 15,455,000 | 15,921,000 | 15,589,000 |
| Total loans | 11,119,000 | 11,014,000 | 11,039,000 | 10,769,000 |
| Allowance for loan losses | 69,000 | 69,000 | 69,000 | 69,000 |
| Securities available for sale | 7,000 | 8,000 | 5,000 | 3,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 12,998,000 | 13,237,000 | 13,676,000 | 13,331,000 |
| Interest-bearing deposits | 12,104,000 | 12,142,000 | 12,338,000 | 12,310,000 |
| Noninterest-bearing deposits | 894,000 | 1,095,000 | 1,338,000 | 1,021,000 |
| Equity capital | 2,133,000 | 2,196,000 | 2,212,000 | 2,232,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Interest income | 150,000 | 297,000 | 440,000 | 583,000 |
| Interest expense | 20,000 | 36,000 | 50,000 | 62,000 |
| Net interest income | 130,000 | 261,000 | 390,000 | 521,000 |
| Noninterest income | 2,000 | 2,000 | 3,000 | 21,000 |
| Noninterest expense | 110,000 | 200,000 | 314,000 | 441,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 22,000 | 63,000 | 79,000 | 101,000 |
| Income tax | 0 | 0 | 0 | 1,000 |
| Net income | 22,000 | 63,000 | 79,000 | 100,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,133,000 | 2,196,000 | 2,212,000 | 2,232,000 |
| Total capital | — | 2,265,000 | — | 2,301,000 |
| Risk-weighted assets | — | 7,994,000 | — | 7,813,000 |