Call reports 2013
HARDWARE STATE BANK — 2013
What HARDWARE STATE BANK reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 25,732,000 | 23,989,000 | 23,616,000 | 23,006,000 |
| Total loans | 7,848,000 | 8,542,000 | 9,558,000 | 9,355,000 |
| Allowance for loan losses | 122,000 | 122,000 | 122,000 | 122,000 |
| Securities available for sale | 770,000 | 3,287,000 | 4,638,000 | 4,176,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 23,596,000 | 21,888,000 | 21,507,000 | 20,894,000 |
| Interest-bearing deposits | 20,753,000 | 19,719,000 | 19,230,000 | 18,848,000 |
| Noninterest-bearing deposits | 2,843,000 | 2,169,000 | 2,277,000 | 2,046,000 |
| Equity capital | 2,094,000 | 2,073,000 | 2,075,000 | 2,075,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 118,000 | 242,000 | 384,000 | 526,000 |
| Interest expense | 15,000 | 28,000 | 41,000 | 56,000 |
| Net interest income | 103,000 | 214,000 | 343,000 | 470,000 |
| Noninterest income | 29,000 | 69,000 | 85,000 | 101,000 |
| Noninterest expense | 128,000 | 261,000 | 394,000 | 531,000 |
| Provision for loan losses | -30,000 | -30,000 | -30,000 | -30,000 |
| Pretax income | 34,000 | 52,000 | 64,000 | 70,000 |
| Income tax | 3,000 | 6,000 | 6,000 | 6,000 |
| Net income | 31,000 | 46,000 | 58,000 | 64,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,092,000 | 2,095,000 | 2,098,000 | 2,098,000 |
| Total capital | 2,196,000 | 2,215,000 | 2,220,000 | 2,220,000 |
| Risk-weighted assets | 8,341,000 | 9,625,000 | 10,634,000 | 10,348,000 |