Call reports 2004
HARDWARE STATE BANK — 2004
What HARDWARE STATE BANK reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 21,079,000 | 20,945,000 | 21,348,000 | 21,683,000 |
| Total loans | 13,592,000 | 14,776,000 | 13,913,000 | 13,669,000 |
| Allowance for loan losses | 120,000 | 120,000 | 121,000 | 121,000 |
| Securities available for sale | 3,413,000 | 3,853,000 | 4,387,000 | 4,551,000 |
| Securities held to maturity | 75,000 | 75,000 | 75,000 | 75,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 18,667,000 | 18,546,000 | 18,937,000 | 19,236,000 |
| Interest-bearing deposits | 17,500,000 | 17,239,000 | 17,501,000 | 17,906,000 |
| Noninterest-bearing deposits | 1,167,000 | 1,307,000 | 1,436,000 | 1,330,000 |
| Equity capital | 1,778,000 | 1,748,000 | 1,786,000 | 1,770,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 240,000 | 477,000 | 726,000 | 982,000 |
| Interest expense | 70,000 | 135,000 | 200,000 | 269,000 |
| Net interest income | 170,000 | 342,000 | 526,000 | 713,000 |
| Noninterest income | 20,000 | 47,000 | 73,000 | 100,000 |
| Noninterest expense | 145,000 | 297,000 | 449,000 | 615,000 |
| Provision for loan losses | 4,000 | 4,000 | 4,000 | 4,000 |
| Pretax income | 57,000 | 104,000 | 162,000 | 210,000 |
| Income tax | 5,000 | 12,000 | 22,000 | 47,000 |
| Net income | 52,000 | 92,000 | 140,000 | 163,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 1,738,000 | 1,748,000 | 1,763,000 | 1,759,000 |
| Total capital | 1,858,000 | 1,868,000 | 1,884,000 | 1,880,000 |
| Risk-weighted assets | 14,124,000 | 14,874,000 | 14,455,000 | 14,106,000 |
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