Call reports 2005
HARDWARE STATE BANK — 2005
What HARDWARE STATE BANK reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 21,369,000 | 20,510,000 | 21,533,000 | 21,939,000 |
| Total loans | 12,619,000 | 13,273,000 | 13,090,000 | 12,266,000 |
| Allowance for loan losses | 123,000 | 128,000 | 132,000 | 133,000 |
| Securities available for sale | 5,626,000 | 5,084,000 | 5,460,000 | 6,132,000 |
| Securities held to maturity | 75,000 | 75,000 | 75,000 | 75,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 18,970,000 | 18,017,000 | 19,039,000 | 19,459,000 |
| Interest-bearing deposits | 17,817,000 | 16,787,000 | 17,784,000 | 18,055,000 |
| Noninterest-bearing deposits | 1,153,000 | 1,230,000 | 1,255,000 | 1,404,000 |
| Equity capital | 1,758,000 | 1,778,000 | 1,782,000 | 1,772,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 268,000 | 539,000 | 827,000 | 1,113,000 |
| Interest expense | 75,000 | 156,000 | 249,000 | 348,000 |
| Net interest income | 193,000 | 383,000 | 578,000 | 765,000 |
| Noninterest income | 23,000 | 53,000 | 80,000 | 108,000 |
| Noninterest expense | 153,000 | 314,000 | 477,000 | 631,000 |
| Provision for loan losses | 2,000 | 7,000 | 12,000 | 13,000 |
| Pretax income | 61,000 | 118,000 | 172,000 | 232,000 |
| Income tax | 12,000 | 26,000 | 37,000 | 57,000 |
| Net income | 49,000 | 92,000 | 135,000 | 175,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 1,774,000 | 1,784,000 | 1,793,000 | 1,802,000 |
| Total capital | 1,897,000 | 1,912,000 | 1,925,000 | 1,935,000 |
| Risk-weighted assets | 13,592,000 | 13,841,000 | 14,068,000 | 13,546,000 |
Machine access — free, no API key
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