Call reports 2009
HARVARD STATE BANK — 2009
What HARVARD STATE BANK reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 34,948,000 | 37,268,000 | 40,540,000 | 39,691,000 |
| Total loans | 29,558,000 | 31,680,000 | 35,013,000 | 32,767,000 |
| Allowance for loan losses | 357,000 | 340,000 | 342,000 | 313,000 |
| Securities available for sale | 2,179,000 | 2,215,000 | 2,205,000 | 2,146,000 |
| Securities held to maturity | 505,000 | 505,000 | 415,000 | 415,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 26,857,000 | 29,584,000 | 30,567,000 | 30,174,000 |
| Interest-bearing deposits | 24,221,000 | 26,852,000 | 27,993,000 | 27,269,000 |
| Noninterest-bearing deposits | 2,636,000 | 2,732,000 | 2,574,000 | 2,905,000 |
| Equity capital | 4,808,000 | 4,797,000 | 4,865,000 | 4,834,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 506,000 | 1,030,000 | 1,593,000 | 2,169,000 |
| Interest expense | 157,000 | 317,000 | 476,000 | 624,000 |
| Net interest income | 349,000 | 713,000 | 1,117,000 | 1,545,000 |
| Noninterest income | 72,000 | 108,000 | 145,000 | 147,000 |
| Noninterest expense | 301,000 | 610,000 | 857,000 | 1,190,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 120,000 | 211,000 | 405,000 | 502,000 |
| Income tax | 39,000 | 67,000 | 131,000 | 179,000 |
| Net income | 81,000 | 144,000 | 274,000 | 323,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,787,000 | 4,776,000 | 4,845,000 | 4,819,000 |
| Total capital | 5,144,000 | 5,116,000 | 5,187,000 | 5,132,000 |
| Risk-weighted assets | 31,230,000 | 33,360,000 | 36,744,000 | 34,937,000 |