Call reports 2004
HARVARD STATE BANK — 2004
What HARVARD STATE BANK reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 30,152,000 | 30,882,000 | 32,244,000 | 31,036,000 |
| Total loans | 23,958,000 | 25,644,000 | 27,189,000 | 25,243,000 |
| Allowance for loan losses | 297,000 | 265,000 | 309,000 | 309,000 |
| Securities available for sale | 2,665,000 | 2,617,000 | 2,468,000 | 2,215,000 |
| Securities held to maturity | 380,000 | 380,000 | 535,000 | 535,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 21,806,000 | 21,695,000 | 21,246,000 | 22,200,000 |
| Interest-bearing deposits | 19,601,000 | 19,730,000 | 19,590,000 | 19,765,000 |
| Noninterest-bearing deposits | 2,205,000 | 1,965,000 | 1,656,000 | 2,435,000 |
| Equity capital | 4,327,000 | 4,385,000 | 4,513,000 | 4,311,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 443,000 | 904,000 | 1,420,000 | 1,944,000 |
| Interest expense | 126,000 | 247,000 | 379,000 | 523,000 |
| Net interest income | 317,000 | 657,000 | 1,041,000 | 1,421,000 |
| Noninterest income | 37,000 | 68,000 | 100,000 | 140,000 |
| Noninterest expense | 211,000 | 456,000 | 696,000 | 1,121,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 143,000 | 269,000 | 445,000 | 440,000 |
| Income tax | 48,000 | 91,000 | 149,000 | 137,000 |
| Net income | 95,000 | 178,000 | 296,000 | 303,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,315,000 | 4,400,000 | 4,517,000 | 4,324,000 |
| Total capital | 4,612,000 | 4,665,000 | 4,826,000 | 4,633,000 |
| Risk-weighted assets | 25,691,000 | 27,213,000 | 28,849,000 | 26,770,000 |
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