Call reports 2004
HARVEST COMMUNITY BANK — 2004
What HARVEST COMMUNITY BANK reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 77,884,000 | 84,537,000 | 101,614,000 | 110,363,000 |
| Total loans | 60,087,000 | 64,068,000 | 72,094,000 | 75,484,000 |
| Allowance for loan losses | 442,000 | 468,000 | 528,000 | 569,000 |
| Securities available for sale | 10,952,000 | 10,652,000 | 16,259,000 | 25,371,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 72,988,000 | 79,800,000 | 96,601,000 | 99,216,000 |
| Interest-bearing deposits | 62,855,000 | 70,431,000 | 84,425,000 | 90,029,000 |
| Noninterest-bearing deposits | 10,133,000 | 9,369,000 | 12,176,000 | 9,187,000 |
| Equity capital | 4,718,000 | 4,543,000 | 4,759,000 | 10,867,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 1,071,000 | 2,186,000 | 3,448,000 | 4,884,000 |
| Interest expense | 360,000 | 724,000 | 1,177,000 | 1,701,000 |
| Net interest income | 711,000 | 1,462,000 | 2,271,000 | 3,183,000 |
| Noninterest income | 47,000 | 111,000 | 169,000 | 253,000 |
| Noninterest expense | 672,000 | 1,394,000 | 2,146,000 | 3,034,000 |
| Provision for loan losses | 28,000 | 53,000 | 113,000 | 153,000 |
| Pretax income | 58,000 | 126,000 | 182,000 | 250,000 |
| Income tax | 0 | 12,000 | 19,000 | 28,000 |
| Net income | 58,000 | 114,000 | 163,000 | 222,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,691,000 | 4,746,000 | 4,796,000 | 10,999,000 |
| Total capital | 5,133,000 | 5,214,000 | 5,324,000 | 11,568,000 |
| Risk-weighted assets | 57,534,000 | 61,997,000 | 71,036,000 | 75,939,000 |