Call reports 2007
HARVARD STATE BANK — 2007
What HARVARD STATE BANK reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 31,279,000 | 31,766,000 | 35,850,000 | 33,859,000 |
| Total loans | 25,185,000 | 27,465,000 | 31,135,000 | 28,707,000 |
| Allowance for loan losses | 323,000 | 332,000 | 342,000 | 318,000 |
| Securities available for sale | 2,197,000 | 2,204,000 | 2,229,000 | 2,235,000 |
| Securities held to maturity | 410,000 | 410,000 | 395,000 | 395,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 23,519,000 | 24,229,000 | 23,896,000 | 22,806,000 |
| Interest-bearing deposits | 21,004,000 | 21,973,000 | 21,583,000 | 20,369,000 |
| Noninterest-bearing deposits | 2,515,000 | 2,256,000 | 2,313,000 | 2,437,000 |
| Equity capital | 4,485,000 | 4,482,000 | 4,542,000 | 4,560,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 590,000 | 1,209,000 | 1,877,000 | 2,532,000 |
| Interest expense | 264,000 | 517,000 | 788,000 | 1,080,000 |
| Net interest income | 326,000 | 692,000 | 1,089,000 | 1,452,000 |
| Noninterest income | 31,000 | 62,000 | 116,000 | 186,000 |
| Noninterest expense | 227,000 | 501,000 | 762,000 | 1,101,000 |
| Provision for loan losses | 8,000 | 15,000 | 23,000 | 30,000 |
| Pretax income | 122,000 | 238,000 | 420,000 | 507,000 |
| Income tax | 42,000 | 80,000 | 140,000 | 144,000 |
| Net income | 80,000 | 158,000 | 280,000 | 363,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,488,000 | 4,490,000 | 4,538,000 | 4,546,000 |
| Total capital | 4,811,000 | 4,822,000 | 4,880,000 | 4,864,000 |
| Risk-weighted assets | 26,887,000 | 28,871,000 | 32,875,000 | 30,463,000 |
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