Call reports 2010
HARTWICK STATE BANK — 2010
What HARTWICK STATE BANK reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 25,421,000 | 24,771,000 | 24,333,000 | 24,714,000 |
| Total loans | 12,056,000 | 11,602,000 | 11,561,000 | 11,724,000 |
| Allowance for loan losses | 123,000 | 123,000 | 123,000 | 123,000 |
| Securities available for sale | 7,112,000 | 7,414,000 | 8,160,000 | 8,261,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 20,419,000 | 19,891,000 | 19,414,000 | 20,007,000 |
| Interest-bearing deposits | 18,135,000 | 18,052,000 | 17,494,000 | 17,688,000 |
| Noninterest-bearing deposits | 2,284,000 | 1,839,000 | 1,920,000 | 2,319,000 |
| Equity capital | 2,328,000 | 2,422,000 | 2,454,000 | 2,305,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 313,000 | 608,000 | 890,000 | 1,171,000 |
| Interest expense | 88,000 | 172,000 | 252,000 | 330,000 |
| Net interest income | 225,000 | 436,000 | 638,000 | 841,000 |
| Noninterest income | 13,000 | 25,000 | 38,000 | 52,000 |
| Noninterest expense | 143,000 | 287,000 | 458,000 | 795,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 95,000 | 174,000 | 218,000 | 98,000 |
| Income tax | 6,000 | 11,000 | 17,000 | 23,000 |
| Net income | 89,000 | 163,000 | 201,000 | 75,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,194,000 | 2,268,000 | 2,306,000 | 2,180,000 |
| Total capital | 2,317,000 | 2,391,000 | 2,429,000 | 2,303,000 |
| Risk-weighted assets | 13,024,000 | 12,667,000 | 12,576,000 | 12,856,000 |