Call reports 2001
HARWOOD STATE BANK — 2001
What HARWOOD STATE BANK reported to the FFIEC in 2001, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Total assets | 18,601,000 | 18,290,000 | 18,710,000 | 19,329,000 |
| Total loans | 11,752,000 | 11,910,000 | 11,715,000 | 10,895,000 |
| Allowance for loan losses | 435,000 | 460,000 | 328,000 | 357,000 |
| Securities available for sale | 1,166,000 | 1,258,000 | 1,142,000 | 1,029,000 |
| Securities held to maturity | 486,000 | 496,000 | 496,000 | 600,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 16,326,000 | 16,022,000 | 16,543,000 | 17,091,000 |
| Interest-bearing deposits | 14,109,000 | 13,970,000 | 14,091,000 | 14,380,000 |
| Noninterest-bearing deposits | 2,217,000 | 2,052,000 | 2,452,000 | 2,711,000 |
| Equity capital | 2,151,000 | 2,150,000 | 2,066,000 | 2,153,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Interest income | 329,000 | 651,000 | 985,000 | 1,384,000 |
| Interest expense | 169,000 | 341,000 | 507,000 | 647,000 |
| Net interest income | 160,000 | 310,000 | 478,000 | 737,000 |
| Noninterest income | 23,000 | 48,000 | 77,000 | 104,000 |
| Noninterest expense | 140,000 | 294,000 | 417,000 | 567,000 |
| Provision for loan losses | 0 | 25,000 | 190,000 | 220,000 |
| Pretax income | 43,000 | 39,000 | -52,000 | 54,000 |
| Income tax | 9,000 | 7,000 | 0 | 16,000 |
| Net income | 34,000 | 32,000 | -52,000 | 38,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,137,000 | 2,135,000 | 2,051,000 | 2,141,000 |
| Total capital | 2,285,000 | 2,284,000 | 2,197,000 | 2,285,000 |
| Risk-weighted assets | 11,539,000 | 11,619,000 | 11,571,000 | 11,270,000 |