Call reports 2008
HARVEST BANK — 2008
What HARVEST BANK reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 70,544,000 | 70,427,000 | 71,314,000 | 70,796,000 |
| Total loans | 53,420,000 | 54,601,000 | 53,457,000 | 52,062,000 |
| Allowance for loan losses | 370,000 | 471,000 | 521,000 | 766,000 |
| Securities available for sale | 1,753,000 | 2,212,000 | 2,593,000 | 2,278,000 |
| Securities held to maturity | 3,967,000 | 4,321,000 | 4,285,000 | 4,215,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 61,487,000 | 61,559,000 | 62,757,000 | 62,386,000 |
| Interest-bearing deposits | 50,862,000 | 52,272,000 | 51,747,000 | 51,072,000 |
| Noninterest-bearing deposits | 10,625,000 | 9,287,000 | 11,010,000 | 11,314,000 |
| Equity capital | 5,881,000 | 5,958,000 | 5,932,000 | 5,845,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 1,132,000 | 2,206,000 | 3,266,000 | 4,285,000 |
| Interest expense | 447,000 | 840,000 | 1,219,000 | 1,555,000 |
| Net interest income | 685,000 | 1,366,000 | 2,047,000 | 2,730,000 |
| Noninterest income | 91,000 | 192,000 | 289,000 | 383,000 |
| Noninterest expense | 393,000 | 819,000 | 1,236,000 | 1,753,000 |
| Provision for loan losses | 10,000 | 111,000 | 161,000 | 406,000 |
| Pretax income | 373,000 | 628,000 | 939,000 | 954,000 |
| Income tax | 0 | 0 | 0 | 1,000 |
| Net income | 373,000 | 628,000 | 939,000 | 953,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,855,000 | 5,959,000 | 5,924,000 | 5,805,000 |
| Total capital | 6,225,000 | 6,430,000 | 6,445,000 | 6,453,000 |
| Risk-weighted assets | 52,438,000 | 53,743,000 | 53,139,000 | 51,695,000 |