Call reports 2004
HARTWICK STATE BANK — 2004
What HARTWICK STATE BANK reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 21,170,000 | 21,592,000 | 20,611,000 | 21,513,000 |
| Total loans | 11,694,000 | 11,481,000 | 12,329,000 | 13,365,000 |
| Allowance for loan losses | 124,000 | 124,000 | 124,000 | 124,000 |
| Securities available for sale | 7,553,000 | 7,660,000 | 7,476,000 | 7,041,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 16,427,000 | 16,939,000 | 15,855,000 | 16,973,000 |
| Interest-bearing deposits | 14,942,000 | 15,600,000 | 14,520,000 | 15,396,000 |
| Noninterest-bearing deposits | 1,485,000 | 1,339,000 | 1,335,000 | 1,577,000 |
| Equity capital | 1,875,000 | 1,814,000 | 1,897,000 | 1,746,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 254,000 | 505,000 | 758,000 | 1,015,000 |
| Interest expense | 83,000 | 168,000 | 251,000 | 333,000 |
| Net interest income | 171,000 | 337,000 | 507,000 | 682,000 |
| Noninterest income | 16,000 | 32,000 | 48,000 | 66,000 |
| Noninterest expense | 134,000 | 268,000 | 402,000 | 665,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 53,000 | 101,000 | 153,000 | 83,000 |
| Income tax | 5,000 | 9,000 | 14,000 | 17,000 |
| Net income | 48,000 | 92,000 | 139,000 | 66,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 1,829,000 | 1,873,000 | 1,919,000 | 1,792,000 |
| Total capital | 1,953,000 | 1,997,000 | 2,043,000 | 1,916,000 |
| Risk-weighted assets | 10,732,000 | 10,680,000 | 11,095,000 | 12,145,000 |
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