Call reports 2010
HARDWARE STATE BANK — 2010
What HARDWARE STATE BANK reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 23,855,000 | 24,044,000 | 25,127,000 | 22,760,000 |
| Total loans | 13,562,000 | 12,223,000 | 11,683,000 | 10,422,000 |
| Allowance for loan losses | 140,000 | 140,000 | 140,000 | 140,000 |
| Securities available for sale | 2,516,000 | 2,047,000 | 2,604,000 | 3,025,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 21,598,000 | 21,788,000 | 22,876,000 | 20,550,000 |
| Interest-bearing deposits | 20,094,000 | 19,997,000 | 21,386,000 | 19,085,000 |
| Noninterest-bearing deposits | 1,504,000 | 1,791,000 | 1,490,000 | 1,465,000 |
| Equity capital | 2,008,000 | 2,019,000 | 2,015,000 | 1,992,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 235,000 | 466,000 | 671,000 | 859,000 |
| Interest expense | 58,000 | 112,000 | 165,000 | 209,000 |
| Net interest income | 177,000 | 354,000 | 506,000 | 650,000 |
| Noninterest income | 16,000 | 34,000 | 52,000 | 69,000 |
| Noninterest expense | 150,000 | 307,000 | 461,000 | 610,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 45,000 | 82,000 | 98,000 | 110,000 |
| Income tax | 12,000 | 20,000 | 20,000 | 20,000 |
| Net income | 33,000 | 62,000 | 78,000 | 90,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 1,997,000 | 2,003,000 | 2,001,000 | 2,002,000 |
| Total capital | 2,137,000 | 2,143,000 | 2,141,000 | 2,142,000 |
| Risk-weighted assets | 15,764,000 | 15,037,000 | 14,686,000 | 13,648,000 |