Call reports 2006
HARVEST COMMUNITY BANK — 2006
What HARVEST COMMUNITY BANK reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 156,497,000 | 160,059,000 | 171,508,000 | 170,566,000 |
| Total loans | 105,305,000 | 111,880,000 | 120,546,000 | 123,967,000 |
| Allowance for loan losses | 776,000 | 838,000 | 882,000 | 926,000 |
| Securities available for sale | 34,861,000 | 33,320,000 | 37,323,000 | 36,544,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 144,306,000 | 147,788,000 | 155,444,000 | 153,998,000 |
| Interest-bearing deposits | 130,382,000 | 132,104,000 | 143,450,000 | 143,846,000 |
| Noninterest-bearing deposits | 13,924,000 | 15,684,000 | 11,994,000 | 10,152,000 |
| Equity capital | 11,623,000 | 11,590,000 | 12,113,000 | 12,373,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 2,226,000 | 4,645,000 | 7,323,000 | 10,174,000 |
| Interest expense | 1,167,000 | 2,384,000 | 3,772,000 | 5,305,000 |
| Net interest income | 1,059,000 | 2,261,000 | 3,551,000 | 4,869,000 |
| Noninterest income | 96,000 | 233,000 | 351,000 | 469,000 |
| Noninterest expense | 933,000 | 1,929,000 | 2,922,000 | 3,956,000 |
| Provision for loan losses | 50,000 | 111,000 | 183,000 | 227,000 |
| Pretax income | 172,000 | 454,000 | 797,000 | 1,149,000 |
| Income tax | 46,000 | 180,000 | 310,000 | 435,000 |
| Net income | 126,000 | 274,000 | 487,000 | 714,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,134,000 | 12,283,000 | 12,496,000 | 12,722,000 |
| Total capital | 12,910,000 | 13,121,000 | 13,378,000 | 13,648,000 |
| Risk-weighted assets | 107,477,000 | 113,445,000 | 123,819,000 | 126,213,000 |