Call reports 2009
HARVEST COMMUNITY BANK — 2009
What HARVEST COMMUNITY BANK reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 193,418,000 | 204,821,000 | 192,389,000 | 192,247,000 |
| Total loans | 140,418,000 | 142,156,000 | 141,163,000 | 138,702,000 |
| Allowance for loan losses | 1,439,000 | 1,533,000 | 1,853,000 | 2,291,000 |
| Securities available for sale | 31,034,000 | 36,035,000 | 38,450,000 | 37,106,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 177,591,000 | 189,212,000 | 176,198,000 | 176,370,000 |
| Interest-bearing deposits | 164,927,000 | 168,840,000 | 162,349,000 | 163,205,000 |
| Noninterest-bearing deposits | 12,664,000 | 20,372,000 | 13,849,000 | 13,165,000 |
| Equity capital | 14,691,000 | 14,947,000 | 15,551,000 | 15,374,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 2,571,000 | 5,177,000 | 7,683,000 | 10,179,000 |
| Interest expense | 1,184,000 | 2,309,000 | 3,347,000 | 4,168,000 |
| Net interest income | 1,387,000 | 2,868,000 | 4,336,000 | 6,011,000 |
| Noninterest income | 158,000 | 334,000 | 665,000 | 836,000 |
| Noninterest expense | 1,220,000 | 2,497,000 | 3,833,000 | 5,230,000 |
| Provision for loan losses | 60,000 | 150,000 | 520,000 | 1,020,000 |
| Pretax income | 265,000 | 555,000 | 648,000 | 597,000 |
| Income tax | 64,000 | 136,000 | 130,000 | 75,000 |
| Net income | 201,000 | 419,000 | 518,000 | 522,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 14,705,000 | 14,928,000 | 15,033,000 | 15,041,000 |
| Total capital | 16,144,000 | 16,461,000 | 16,839,000 | 16,845,000 |
| Risk-weighted assets | 145,676,000 | 149,608,000 | 144,483,000 | 143,349,000 |