Call reports 2016
HARTWICK STATE BANK — 2016
What HARTWICK STATE BANK reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 25,320,000 | 24,257,000 | 23,858,000 | 24,087,000 |
| Total loans | 9,785,000 | 9,435,000 | 9,618,000 | 9,626,000 |
| Allowance for loan losses | 118,000 | 118,000 | 118,000 | 118,000 |
| Securities available for sale | 9,013,000 | 9,003,000 | 9,093,000 | 8,823,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 23,062,000 | 21,883,000 | 21,462,000 | 21,966,000 |
| Interest-bearing deposits | 19,349,000 | 18,752,000 | 18,355,000 | 18,588,000 |
| Noninterest-bearing deposits | 3,713,000 | 3,131,000 | 3,107,000 | 3,378,000 |
| Equity capital | 2,139,000 | 2,215,000 | 2,225,000 | 2,068,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 187,000 | 372,000 | 552,000 | 729,000 |
| Interest expense | 16,000 | 31,000 | 46,000 | 62,000 |
| Net interest income | 171,000 | 341,000 | 506,000 | 667,000 |
| Noninterest income | 10,000 | 21,000 | 30,000 | 38,000 |
| Noninterest expense | 148,000 | 294,000 | 440,000 | 666,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 38,000 | 73,000 | 101,000 | 44,000 |
| Income tax | 3,000 | 5,000 | 8,000 | 11,000 |
| Net income | 35,000 | 68,000 | 93,000 | 33,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,074,000 | 2,108,000 | 2,132,000 | 2,072,000 |
| Total capital | 2,192,000 | 2,226,000 | 2,250,000 | 2,190,000 |
| Risk-weighted assets | 13,516,000 | 12,478,000 | 11,947,000 | 15,103,000 |