Call reports 2008
HARTWICK STATE BANK — 2008
What HARTWICK STATE 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 | 24,044,000 | 23,594,000 | 23,436,000 | 24,786,000 |
| Total loans | 13,554,000 | 12,135,000 | 13,047,000 | 13,629,000 |
| Allowance for loan losses | 121,000 | 121,000 | 123,000 | 121,000 |
| Securities available for sale | 7,513,000 | 7,507,000 | 7,467,000 | 7,646,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 18,905,000 | 18,587,000 | 18,331,000 | 19,634,000 |
| Interest-bearing deposits | 16,664,000 | 16,626,000 | 16,169,000 | 17,366,000 |
| Noninterest-bearing deposits | 2,241,000 | 1,961,000 | 2,162,000 | 2,268,000 |
| Equity capital | 2,191,000 | 2,092,000 | 2,178,000 | 2,168,000 |
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 | 327,000 | 645,000 | 969,000 | 1,291,000 |
| Interest expense | 138,000 | 266,000 | 387,000 | 504,000 |
| Net interest income | 189,000 | 379,000 | 582,000 | 787,000 |
| Noninterest income | 13,000 | 25,000 | 36,000 | 46,000 |
| Noninterest expense | 140,000 | 277,000 | 428,000 | 744,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 62,000 | 127,000 | 190,000 | 89,000 |
| Income tax | 5,000 | 10,000 | 15,000 | 19,000 |
| Net income | 57,000 | 117,000 | 175,000 | 70,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,065,000 | 2,065,000 | 2,124,000 | 2,018,000 |
| Total capital | 2,186,000 | 2,186,000 | 2,247,000 | 2,139,000 |
| Risk-weighted assets | 12,957,000 | 12,258,000 | 13,030,000 | 13,704,000 |
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