Call reports 2013
HARTWICK STATE BANK — 2013
What HARTWICK STATE BANK reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 26,866,000 | 26,032,000 | 26,604,000 | 26,318,000 |
| Total loans | 9,592,000 | 8,940,000 | 8,785,000 | 10,103,000 |
| Allowance for loan losses | 120,000 | 120,000 | 120,000 | 118,000 |
| Securities available for sale | 10,608,000 | 9,662,000 | 10,811,000 | 11,157,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 24,363,000 | 23,935,000 | 24,445,000 | 23,746,000 |
| Interest-bearing deposits | 20,760,000 | 20,022,000 | 21,094,000 | 20,009,000 |
| Noninterest-bearing deposits | 3,603,000 | 3,913,000 | 3,351,000 | 3,737,000 |
| Equity capital | 2,137,000 | 2,045,000 | 2,083,000 | 1,990,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 204,000 | 399,000 | 590,000 | 785,000 |
| Interest expense | 29,000 | 53,000 | 74,000 | 94,000 |
| Net interest income | 175,000 | 346,000 | 516,000 | 691,000 |
| Noninterest income | 9,000 | 19,000 | 28,000 | 38,000 |
| Noninterest expense | 140,000 | 281,000 | 427,000 | 660,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 44,000 | 84,000 | 117,000 | 69,000 |
| Income tax | 5,000 | 9,000 | 14,000 | 19,000 |
| Net income | 39,000 | 75,000 | 103,000 | 50,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,033,000 | 2,069,000 | 2,097,000 | 2,043,000 |
| Total capital | 2,153,000 | 2,189,000 | 2,217,000 | 2,161,000 |
| Risk-weighted assets | 12,370,000 | 11,617,000 | 11,632,000 | 12,651,000 |