Call reports 2001
HARVARD STATE BANK — 2001
What HARVARD STATE BANK reported to the FFIEC in 2001, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Total assets | 32,007,000 | 33,687,000 | 35,024,000 | 36,126,000 |
| Total loans | 26,248,000 | 27,646,000 | 27,787,000 | 27,335,000 |
| Allowance for loan losses | 299,000 | 316,000 | 318,000 | 318,000 |
| Securities available for sale | 3,187,000 | 3,389,000 | 3,132,000 | 2,849,000 |
| Securities held to maturity | 574,000 | 574,000 | 744,000 | 928,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 21,943,000 | 22,463,000 | 24,320,000 | 25,495,000 |
| Interest-bearing deposits | 20,321,000 | 20,435,000 | 22,718,000 | 22,937,000 |
| Noninterest-bearing deposits | 1,622,000 | 2,028,000 | 1,602,000 | 2,558,000 |
| Equity capital | 3,698,000 | 3,751,000 | 3,837,000 | 3,798,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Interest income | 670,000 | 1,349,000 | 2,032,000 | 2,682,000 |
| Interest expense | 353,000 | 699,000 | 1,042,000 | 1,385,000 |
| Net interest income | 317,000 | 650,000 | 990,000 | 1,297,000 |
| Noninterest income | 37,000 | 62,000 | 99,000 | 128,000 |
| Noninterest expense | 163,000 | 380,000 | 576,000 | 905,000 |
| Provision for loan losses | 32,000 | 99,000 | 179,000 | 260,000 |
| Pretax income | 159,000 | 233,000 | 334,000 | 260,000 |
| Income tax | 50,000 | 72,000 | 103,000 | 56,000 |
| Net income | 109,000 | 161,000 | 231,000 | 204,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,656,000 | 3,708,000 | 3,778,000 | 3,749,000 |
| Total capital | 3,955,000 | 4,024,000 | 4,096,000 | 4,067,000 |
| Risk-weighted assets | 26,765,000 | 28,780,000 | 29,457,000 | 29,342,000 |