Call reports 2003
HARVEST COMMUNITY BANK — 2003
What HARVEST COMMUNITY BANK reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 58,762,000 | 69,942,000 | 69,065,000 | 75,312,000 |
| Total loans | 44,480,000 | 49,417,000 | 52,590,000 | 55,903,000 |
| Allowance for loan losses | 347,000 | 358,000 | 387,000 | 413,000 |
| Securities available for sale | 6,357,000 | 10,251,000 | 8,939,000 | 9,635,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 54,059,000 | 63,207,000 | 64,440,000 | 70,539,000 |
| Interest-bearing deposits | 47,168,000 | 53,128,000 | 55,064,000 | 63,132,000 |
| Noninterest-bearing deposits | 6,891,000 | 10,079,000 | 9,376,000 | 7,407,000 |
| Equity capital | 4,491,000 | 4,525,000 | 4,416,000 | 4,563,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 816,000 | 1,703,000 | 2,660,000 | 3,682,000 |
| Interest expense | 309,000 | 646,000 | 976,000 | 1,317,000 |
| Net interest income | 507,000 | 1,057,000 | 1,684,000 | 2,365,000 |
| Noninterest income | 41,000 | 86,000 | 130,000 | 195,000 |
| Noninterest expense | 596,000 | 1,138,000 | 1,732,000 | 2,329,000 |
| Provision for loan losses | 62,000 | 99,000 | 130,000 | 155,000 |
| Pretax income | -110,000 | -94,000 | -19,000 | 105,000 |
| Income tax | 0 | 0 | 0 | 2,000 |
| Net income | -110,000 | -94,000 | -19,000 | 103,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,420,000 | 4,436,000 | 4,511,000 | 4,632,000 |
| Total capital | 4,767,000 | 4,794,000 | 4,898,000 | 5,045,000 |
| Risk-weighted assets | 44,425,000 | 49,887,000 | 51,250,000 | 54,322,000 |