Call reports 2025
HERTFORD SAVINGS BANK, SSB — 2025
What HERTFORD SAVINGS BANK, SSB reported to the FFIEC in 2025, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Total assets | 17,664,000 | 18,467,000 | 19,125,000 | 19,429,000 |
| Total loans | 13,311,000 | 13,222,000 | 13,364,000 | 13,512,000 |
| Allowance for loan losses | 135,000 | 128,000 | 135,000 | 135,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 1,747,000 | 1,699,000 | 1,665,000 | 1,646,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 15,414,000 | 16,227,000 | 16,857,000 | 17,193,000 |
| Interest-bearing deposits | 14,338,000 | 14,992,000 | 15,361,000 | 15,629,000 |
| Noninterest-bearing deposits | 1,076,000 | 1,235,000 | 1,496,000 | 1,564,000 |
| Equity capital | 2,226,000 | 2,228,000 | 2,227,000 | 2,210,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Interest income | 229,000 | 458,000 | 701,000 | 950,000 |
| Interest expense | 102,000 | 210,000 | 321,000 | 437,000 |
| Net interest income | 127,000 | 248,000 | 380,000 | 513,000 |
| Noninterest income | 2,000 | 3,000 | 5,000 | 5,000 |
| Noninterest expense | 120,000 | 254,000 | 390,000 | 538,000 |
| Provision for loan losses | 8,000 | 10,000 | 17,000 | 17,000 |
| Pretax income | 1,000 | 5,000 | 4,000 | -12,000 |
| Income tax | 0 | 1,000 | 2,000 | 3,000 |
| Net income | 1,000 | 4,000 | 2,000 | -15,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,103,000 | 2,228,000 | 2,227,000 | 2,210,000 |