Call reports 2015
HARDWARE STATE BANK — 2015
What HARDWARE STATE BANK 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 | 22,901,000 | 22,184,000 | 22,613,000 | 21,664,000 |
| Total loans | 7,611,000 | 7,209,000 | 8,150,000 | 8,475,000 |
| Allowance for loan losses | 97,000 | 97,000 | 97,000 | 97,000 |
| Securities available for sale | 3,336,000 | 3,325,000 | 3,026,000 | 2,659,000 |
| Securities held to maturity | 92,000 | 91,000 | 90,000 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 20,709,000 | 19,993,000 | 20,418,000 | 19,472,000 |
| Interest-bearing deposits | 18,924,000 | 17,639,000 | 17,624,000 | 17,354,000 |
| Noninterest-bearing deposits | 1,785,000 | 2,354,000 | 2,794,000 | 2,118,000 |
| Equity capital | 2,148,000 | 2,149,000 | 2,151,000 | 2,151,000 |
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 | 121,000 | 236,000 | 352,000 | 477,000 |
| Interest expense | 10,000 | 18,000 | 28,000 | 37,000 |
| Net interest income | 111,000 | 218,000 | 324,000 | 440,000 |
| Noninterest income | 15,000 | 35,000 | 56,000 | 78,000 |
| Noninterest expense | 133,000 | 253,000 | 382,000 | 506,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 5,000 | 12,000 | 11,000 | 25,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 5,000 | 12,000 | 11,000 | 25,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,138,000 | 2,146,000 | 2,144,000 | 2,152,000 |
| Total capital | 2,235,000 | 2,243,000 | 2,241,000 | 2,249,000 |
| Risk-weighted assets | 8,843,000 | 8,347,000 | 9,158,000 | 9,687,000 |