Call reports 2002
HARWOOD STATE BANK — 2002
What HARWOOD STATE BANK reported to the FFIEC in 2002, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Total assets | 19,101,000 | 19,233,000 | 19,184,000 | 19,744,000 |
| Total loans | 10,279,000 | 11,997,000 | 11,982,000 | 10,412,000 |
| Allowance for loan losses | 443,000 | 400,000 | 372,000 | 368,000 |
| Securities available for sale | 998,000 | 2,066,000 | 2,450,000 | 2,156,000 |
| Securities held to maturity | 665,000 | 543,000 | 747,000 | 702,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 16,897,000 | 16,966,000 | 16,849,000 | 17,364,000 |
| Interest-bearing deposits | 14,518,000 | 13,848,000 | 13,747,000 | 14,028,000 |
| Noninterest-bearing deposits | 2,379,000 | 3,118,000 | 3,102,000 | 3,336,000 |
| Equity capital | 2,143,000 | 2,201,000 | 2,232,000 | 2,270,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Interest income | 279,000 | 570,000 | 874,000 | 1,159,000 |
| Interest expense | 117,000 | 223,000 | 325,000 | 426,000 |
| Net interest income | 162,000 | 347,000 | 549,000 | 733,000 |
| Noninterest income | 26,000 | 50,000 | 80,000 | 107,000 |
| Noninterest expense | 181,000 | 331,000 | 487,000 | 667,000 |
| Provision for loan losses | 25,000 | 25,000 | 25,000 | 25,000 |
| Pretax income | -18,000 | 41,000 | 117,000 | 148,000 |
| Income tax | 0 | 8,000 | 49,000 | 45,000 |
| Net income | -18,000 | 33,000 | 68,000 | 103,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,135,000 | 2,186,000 | 2,221,000 | 2,256,000 |
| Total capital | 2,272,000 | 2,329,000 | 2,364,000 | 2,385,000 |
| Risk-weighted assets | 10,666,000 | 11,183,000 | 11,235,000 | 10,062,000 |