Call reports 2008
HARVEST COMMUNITY BANK — 2008
What HARVEST COMMUNITY BANK reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 184,801,000 | 181,596,000 | 181,861,000 | 185,551,000 |
| Total loans | 137,324,000 | 139,656,000 | 139,639,000 | 142,154,000 |
| Allowance for loan losses | 1,082,000 | 1,068,000 | 1,104,000 | 1,422,000 |
| Securities available for sale | 32,541,000 | 30,966,000 | 31,726,000 | 31,504,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 168,479,000 | 165,486,000 | 165,578,000 | 168,950,000 |
| Interest-bearing deposits | 155,395,000 | 153,394,000 | 154,567,000 | 158,477,000 |
| Noninterest-bearing deposits | 13,084,000 | 12,092,000 | 11,011,000 | 10,473,000 |
| Equity capital | 14,030,000 | 13,909,000 | 14,031,000 | 14,403,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 2,857,000 | 5,677,000 | 8,438,000 | 11,109,000 |
| Interest expense | 1,573,000 | 2,971,000 | 4,251,000 | 5,457,000 |
| Net interest income | 1,284,000 | 2,706,000 | 4,187,000 | 5,652,000 |
| Noninterest income | 161,000 | 340,000 | 517,000 | 682,000 |
| Noninterest expense | 1,109,000 | 2,284,000 | 3,449,000 | 4,666,000 |
| Provision for loan losses | 57,000 | 164,000 | 199,000 | 540,000 |
| Pretax income | 279,000 | 598,000 | 1,057,000 | 1,126,000 |
| Income tax | 79,000 | 171,000 | 318,000 | 305,000 |
| Net income | 200,000 | 427,000 | 739,000 | 821,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 13,861,000 | 14,093,000 | 14,411,000 | 14,498,000 |
| Total capital | 14,943,000 | 15,161,000 | 15,515,000 | 15,920,000 |
| Risk-weighted assets | 142,986,000 | 144,978,000 | 144,662,000 | 146,684,000 |