Call reports 2005
HARVARD STATE BANK — 2005
What HARVARD STATE BANK reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 31,622,000 | 31,650,000 | 33,014,000 | 33,395,000 |
| Total loans | 24,299,000 | 26,453,000 | 28,462,000 | 27,648,000 |
| Allowance for loan losses | 319,000 | 322,000 | 295,000 | 289,000 |
| Securities available for sale | 2,196,000 | 2,187,000 | 2,225,000 | 2,203,000 |
| Securities held to maturity | 475,000 | 475,000 | 360,000 | 360,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 23,007,000 | 22,800,000 | 21,516,000 | 22,513,000 |
| Interest-bearing deposits | 20,685,000 | 20,080,000 | 19,347,000 | 19,741,000 |
| Noninterest-bearing deposits | 2,322,000 | 2,720,000 | 2,169,000 | 2,772,000 |
| Equity capital | 4,420,000 | 4,523,000 | 4,669,000 | 4,457,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 498,000 | 1,021,000 | 1,592,000 | 2,185,000 |
| Interest expense | 145,000 | 296,000 | 468,000 | 667,000 |
| Net interest income | 353,000 | 725,000 | 1,124,000 | 1,518,000 |
| Noninterest income | 40,000 | 75,000 | 123,000 | 169,000 |
| Noninterest expense | 215,000 | 478,000 | 706,000 | 1,142,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 178,000 | 322,000 | 541,000 | 545,000 |
| Income tax | 61,000 | 108,000 | 181,000 | 193,000 |
| Net income | 117,000 | 214,000 | 360,000 | 352,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,441,000 | 4,538,000 | 4,684,000 | 4,476,000 |
| Total capital | 4,760,000 | 4,860,000 | 4,979,000 | 4,765,000 |
| Risk-weighted assets | 26,282,000 | 28,079,000 | 30,074,000 | 29,547,000 |
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