Call reports 2003
HARVEST BANK — 2003
What HARVEST BANK reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 48,892,000 | 50,158,000 | 51,178,000 | 54,350,000 |
| Total loans | 33,979,000 | 34,007,000 | 35,361,000 | 36,759,000 |
| Allowance for loan losses | 236,000 | 236,000 | 237,000 | 242,000 |
| Securities available for sale | 3,443,000 | 2,569,000 | 3,379,000 | 3,899,000 |
| Securities held to maturity | 5,771,000 | 6,266,000 | 5,405,000 | 4,794,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 42,023,000 | 43,581,000 | 44,053,000 | 47,728,000 |
| Interest-bearing deposits | 34,631,000 | 36,227,000 | 36,760,000 | 39,032,000 |
| Noninterest-bearing deposits | 7,392,000 | 7,354,000 | 7,293,000 | 8,696,000 |
| Equity capital | 3,875,000 | 4,126,000 | 4,155,000 | 4,183,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 776,000 | 1,419,000 | 2,211,000 | 2,969,000 |
| Interest expense | 231,000 | 460,000 | 673,000 | 882,000 |
| Net interest income | 545,000 | 959,000 | 1,538,000 | 2,087,000 |
| Noninterest income | 66,000 | 278,000 | 319,000 | 425,000 |
| Noninterest expense | 281,000 | 552,000 | 845,000 | 1,354,000 |
| Provision for loan losses | 0 | 0 | 0 | 5,000 |
| Pretax income | 330,000 | 694,000 | 1,021,000 | 1,162,000 |
| Income tax | 5,000 | 5,000 | 5,000 | 5,000 |
| Net income | 325,000 | 689,000 | 1,016,000 | 1,157,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,826,000 | 4,069,000 | 4,116,000 | 4,157,000 |
| Total capital | 4,062,000 | 4,305,000 | 4,353,000 | 4,399,000 |
| Risk-weighted assets | 33,971,000 | 34,103,000 | 34,836,000 | 36,934,000 |