Call reports 2014
HARTWICK STATE BANK — 2014
What HARTWICK STATE BANK reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 27,482,000 | 25,552,000 | 24,322,000 | 24,681,000 |
| Total loans | 10,181,000 | 10,082,000 | 9,384,000 | 9,613,000 |
| Allowance for loan losses | 118,000 | 118,000 | 118,000 | 118,000 |
| Securities available for sale | 10,658,000 | 10,414,000 | 9,875,000 | 9,874,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 25,333,000 | 22,928,000 | 22,016,000 | 22,504,000 |
| Interest-bearing deposits | 21,105,000 | 19,300,000 | 18,601,000 | 19,326,000 |
| Noninterest-bearing deposits | 4,228,000 | 3,628,000 | 3,415,000 | 3,178,000 |
| Equity capital | 2,087,000 | 2,162,000 | 2,183,000 | 2,108,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 200,000 | 397,000 | 585,000 | 769,000 |
| Interest expense | 18,000 | 36,000 | 54,000 | 71,000 |
| Net interest income | 182,000 | 361,000 | 531,000 | 698,000 |
| Noninterest income | 10,000 | 16,000 | 27,000 | 36,000 |
| Noninterest expense | 143,000 | 285,000 | 435,000 | 682,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 49,000 | 92,000 | 128,000 | 59,000 |
| Income tax | 4,000 | 7,000 | 10,000 | 15,000 |
| Net income | 45,000 | 85,000 | 118,000 | 44,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,088,000 | 2,128,000 | 2,161,000 | 2,087,000 |
| Total capital | 2,206,000 | 2,246,000 | 2,279,000 | 2,205,000 |
| Risk-weighted assets | 12,910,000 | 12,991,000 | 11,769,000 | 12,097,000 |