Call reports 2015
HAVILAND STATE BANK, THE — 2015
What HAVILAND STATE BANK, THE reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 40,851,000 | 41,498,000 | 40,427,000 | 40,335,000 |
| Total loans | 23,432,000 | 24,760,000 | 23,823,000 | 24,609,000 |
| Allowance for loan losses | 373,000 | 380,000 | 388,000 | 400,000 |
| Securities available for sale | 11,475,000 | 11,441,000 | 11,365,000 | 11,339,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 34,572,000 | 35,295,000 | 32,492,000 | 32,088,000 |
| Interest-bearing deposits | 29,276,000 | 28,682,000 | 26,819,000 | 26,278,000 |
| Noninterest-bearing deposits | 5,296,000 | 6,613,000 | 5,673,000 | 5,810,000 |
| Equity capital | 4,958,000 | 4,930,000 | 4,941,000 | 4,932,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 428,000 | 849,000 | 1,265,000 | 1,685,000 |
| Interest expense | 29,000 | 57,000 | 84,000 | 113,000 |
| Net interest income | 399,000 | 792,000 | 1,181,000 | 1,572,000 |
| Noninterest income | 25,000 | 48,000 | 67,000 | 87,000 |
| Noninterest expense | 219,000 | 447,000 | 675,000 | 1,020,000 |
| Provision for loan losses | 3,000 | 10,000 | 18,000 | 25,000 |
| Pretax income | 202,000 | 383,000 | 555,000 | 614,000 |
| Income tax | 39,000 | 88,000 | 134,000 | 123,000 |
| Net income | 163,000 | 295,000 | 421,000 | 491,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,628,000 | 4,685,000 | 4,696,000 | 4,666,000 |
| Total capital | 4,963,000 | 5,037,000 | 5,040,000 | 5,012,000 |
| Risk-weighted assets | 26,788,000 | 28,115,000 | 27,513,000 | 27,605,000 |