Call reports 2007
HARTWICK STATE BANK — 2007
What HARTWICK STATE BANK reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 20,820,000 | 21,022,000 | 20,912,000 | 21,497,000 |
| Total loans | 13,212,000 | 13,223,000 | 13,666,000 | 13,862,000 |
| Allowance for loan losses | 122,000 | 122,000 | 122,000 | 121,000 |
| Securities available for sale | 5,981,000 | 6,267,000 | 5,790,000 | 5,790,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 16,001,000 | 16,154,000 | 15,904,000 | 16,554,000 |
| Interest-bearing deposits | 14,333,000 | 14,541,000 | 14,290,000 | 14,608,000 |
| Noninterest-bearing deposits | 1,668,000 | 1,613,000 | 1,615,000 | 1,946,000 |
| Equity capital | 1,968,000 | 2,000,000 | 2,101,000 | 2,063,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 300,000 | 610,000 | 930,000 | 1,252,000 |
| Interest expense | 125,000 | 253,000 | 386,000 | 524,000 |
| Net interest income | 175,000 | 357,000 | 544,000 | 728,000 |
| Noninterest income | 13,000 | 26,000 | 40,000 | 54,000 |
| Noninterest expense | 142,000 | 274,000 | 424,000 | 693,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 46,000 | 109,000 | 160,000 | 89,000 |
| Income tax | 5,000 | 10,000 | 15,000 | 19,000 |
| Net income | 41,000 | 99,000 | 145,000 | 70,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 1,980,000 | 2,038,000 | 2,084,000 | 2,009,000 |
| Total capital | 2,102,000 | 2,160,000 | 2,206,000 | 2,130,000 |
| Risk-weighted assets | 12,168,000 | 12,204,000 | 12,421,000 | 12,693,000 |
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