Call reports 2005
HARTWICK STATE BANK — 2005
What HARTWICK STATE 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 | 20,689,000 | 20,916,000 | 20,220,000 | 20,144,000 |
| Total loans | 12,393,000 | 12,837,000 | 13,358,000 | 13,250,000 |
| Allowance for loan losses | 124,000 | 124,000 | 124,000 | 124,000 |
| Securities available for sale | 6,881,000 | 6,889,000 | 6,083,000 | 6,056,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 16,106,000 | 16,229,000 | 15,397,000 | 15,540,000 |
| Interest-bearing deposits | 14,759,000 | 14,287,000 | 13,818,000 | 13,684,000 |
| Noninterest-bearing deposits | 1,347,000 | 1,942,000 | 1,579,000 | 1,855,000 |
| Equity capital | 1,765,000 | 1,849,000 | 1,888,000 | 1,785,000 |
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 | 261,000 | 523,000 | 799,000 | 1,075,000 |
| Interest expense | 83,000 | 167,000 | 257,000 | 354,000 |
| Net interest income | 178,000 | 356,000 | 542,000 | 721,000 |
| Noninterest income | 15,000 | 31,000 | 47,000 | 63,000 |
| Noninterest expense | 134,000 | 267,000 | 399,000 | 689,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 59,000 | 120,000 | 186,000 | 91,000 |
| Income tax | 4,000 | 8,000 | 17,000 | 18,000 |
| Net income | 55,000 | 112,000 | 169,000 | 73,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 1,847,000 | 1,904,000 | 1,961,000 | 1,865,000 |
| Total capital | 1,971,000 | 2,028,000 | 2,085,000 | 1,989,000 |
| Risk-weighted assets | 11,307,000 | 11,749,000 | 12,004,000 | 11,573,000 |
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