Call reports 2006
HARVARD STATE BANK — 2006
What HARVARD STATE BANK reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 31,981,000 | 32,686,000 | 34,984,000 | 32,796,000 |
| Total loans | 26,285,000 | 27,502,000 | 30,270,000 | 27,121,000 |
| Allowance for loan losses | 321,000 | 330,000 | 314,000 | 314,000 |
| Securities available for sale | 2,196,000 | 2,172,000 | 2,192,000 | 2,190,000 |
| Securities held to maturity | 345,000 | 555,000 | 425,000 | 425,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 23,338,000 | 22,842,000 | 21,702,000 | 22,867,000 |
| Interest-bearing deposits | 17,261,000 | 20,812,000 | 19,942,000 | 20,077,000 |
| Noninterest-bearing deposits | 6,077,000 | 2,030,000 | 1,760,000 | 2,790,000 |
| Equity capital | 4,576,000 | 4,583,000 | 4,640,000 | 4,402,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 571,000 | 1,173,000 | 1,825,000 | 2,479,000 |
| Interest expense | 210,000 | 430,000 | 694,000 | 988,000 |
| Net interest income | 361,000 | 743,000 | 1,131,000 | 1,491,000 |
| Noninterest income | 47,000 | 81,000 | 122,000 | 141,000 |
| Noninterest expense | 225,000 | 505,000 | 746,000 | 1,179,000 |
| Provision for loan losses | 8,000 | 15,000 | 23,000 | 30,000 |
| Pretax income | 175,000 | 304,000 | 484,000 | 423,000 |
| Income tax | 58,000 | 102,000 | 162,000 | 136,000 |
| Net income | 117,000 | 202,000 | 322,000 | 287,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,593,000 | 4,603,000 | 4,648,000 | 4,408,000 |
| Total capital | 4,914,000 | 4,933,000 | 4,962,000 | 4,722,000 |
| Risk-weighted assets | 27,971,000 | 29,297,000 | 32,065,000 | 29,313,000 |