Call reports 2012
HARTWICK STATE BANK — 2012
What HARTWICK STATE BANK reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 26,193,000 | 25,984,000 | 24,862,000 | 25,253,000 |
| Total loans | 10,285,000 | 10,060,000 | 9,786,000 | 11,455,000 |
| Allowance for loan losses | 120,000 | 120,000 | 120,000 | 120,000 |
| Securities available for sale | 9,150,000 | 9,770,000 | 9,306,000 | 8,793,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 22,454,000 | 22,127,000 | 21,891,000 | 22,600,000 |
| Interest-bearing deposits | 19,331,000 | 19,435,000 | 19,175,000 | 19,756,000 |
| Noninterest-bearing deposits | 3,123,000 | 2,692,000 | 2,716,000 | 2,844,000 |
| Equity capital | 2,377,000 | 2,457,000 | 2,536,000 | 2,107,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 246,000 | 478,000 | 702,000 | 915,000 |
| Interest expense | 51,000 | 100,000 | 141,000 | 173,000 |
| Net interest income | 195,000 | 378,000 | 561,000 | 742,000 |
| Noninterest income | 11,000 | 20,000 | 29,000 | 38,000 |
| Noninterest expense | 142,000 | 278,000 | 428,000 | 718,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 64,000 | 120,000 | 177,000 | 77,000 |
| Income tax | 5,000 | 10,000 | 14,000 | 19,000 |
| Net income | 59,000 | 110,000 | 163,000 | 58,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,294,000 | 2,345,000 | 2,399,000 | 1,993,000 |
| Total capital | 2,414,000 | 2,465,000 | 2,519,000 | 2,113,000 |
| Risk-weighted assets | 12,018,000 | 11,880,000 | 11,583,000 | 13,010,000 |