Call reports 2005
HARVEST BANK — 2005
What HARVEST 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 | 58,005,000 | 60,464,000 | 62,356,000 | 63,954,000 |
| Total loans | 42,387,000 | 44,058,000 | 44,557,000 | 45,994,000 |
| Allowance for loan losses | 283,000 | 303,000 | 303,000 | 303,000 |
| Securities available for sale | 3,709,000 | 4,133,000 | 3,866,000 | 3,931,000 |
| Securities held to maturity | 3,448,000 | 3,676,000 | 5,729,000 | 5,146,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 50,517,000 | 53,180,000 | 54,879,000 | 56,091,000 |
| Interest-bearing deposits | 42,414,000 | 42,888,000 | 44,121,000 | 44,275,000 |
| Noninterest-bearing deposits | 8,103,000 | 10,292,000 | 10,758,000 | 11,816,000 |
| Equity capital | 4,596,000 | 4,835,000 | 4,990,000 | 5,100,000 |
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 | 763,000 | 1,552,000 | 2,392,000 | 3,270,000 |
| Interest expense | 248,000 | 503,000 | 768,000 | 1,062,000 |
| Net interest income | 515,000 | 1,049,000 | 1,624,000 | 2,208,000 |
| Noninterest income | 105,000 | 234,000 | 343,000 | 452,000 |
| Noninterest expense | 363,000 | 692,000 | 1,065,000 | 1,533,000 |
| Provision for loan losses | 5,000 | 25,000 | 25,000 | 25,000 |
| Pretax income | 251,000 | 564,000 | 874,000 | 1,099,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 251,000 | 564,000 | 874,000 | 1,099,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,641,000 | 4,855,000 | 5,033,000 | 5,158,000 |
| Total capital | 4,924,000 | 5,158,000 | 5,336,000 | 5,461,000 |
| Risk-weighted assets | 40,690,000 | 42,621,000 | 43,227,000 | 44,397,000 |