Call reports 2015
HARTWICK STATE BANK — 2015
What HARTWICK STATE BANK reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 26,019,000 | 25,668,000 | 24,936,000 | 24,878,000 |
| Total loans | 8,754,000 | 9,717,000 | 10,341,000 | 10,669,000 |
| Allowance for loan losses | 118,000 | 118,000 | 118,000 | 118,000 |
| Securities available for sale | 9,932,000 | 10,204,000 | 9,981,000 | 9,638,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 23,703,000 | 23,346,000 | 22,099,000 | 22,691,000 |
| Interest-bearing deposits | 19,672,000 | 19,452,000 | 18,570,000 | 18,978,000 |
| Noninterest-bearing deposits | 4,031,000 | 3,894,000 | 3,529,000 | 3,713,000 |
| Equity capital | 2,192,000 | 2,196,000 | 2,263,000 | 2,072,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 176,000 | 357,000 | 552,000 | 747,000 |
| Interest expense | 17,000 | 33,000 | 50,000 | 66,000 |
| Net interest income | 159,000 | 324,000 | 502,000 | 681,000 |
| Noninterest income | 11,000 | 20,000 | 27,000 | 38,000 |
| Noninterest expense | 141,000 | 279,000 | 422,000 | 657,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 30,000 | 66,000 | 109,000 | 64,000 |
| Income tax | 3,000 | 5,000 | 8,000 | 11,000 |
| Net income | 27,000 | 61,000 | 101,000 | 53,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,160,000 | 2,148,000 | 2,188,000 | 2,039,000 |
| Total capital | 2,278,000 | 2,266,000 | 2,306,000 | 2,157,000 |
| Risk-weighted assets | 13,363,000 | 12,533,000 | 12,429,000 | 12,354,000 |