Call reports 2003
HARWOOD STATE BANK — 2003
What HARWOOD STATE BANK reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 19,394,000 | 18,889,000 | 19,407,000 | 19,833,000 |
| Total loans | 9,462,000 | 10,721,000 | 10,533,000 | 9,990,000 |
| Allowance for loan losses | 376,000 | 378,000 | 402,000 | 402,000 |
| Securities available for sale | 3,714,000 | 3,107,000 | 3,303,000 | 3,484,000 |
| Securities held to maturity | 542,000 | 716,000 | 768,000 | 1,426,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 17,028,000 | 16,581,000 | 17,088,000 | 17,495,000 |
| Interest-bearing deposits | 14,326,000 | 14,086,000 | 14,135,000 | 14,056,000 |
| Noninterest-bearing deposits | 2,702,000 | 2,495,000 | 2,953,000 | 3,439,000 |
| Equity capital | 2,296,000 | 2,242,000 | 2,244,000 | 2,293,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 252,000 | 524,000 | 780,000 | 1,043,000 |
| Interest expense | 89,000 | 177,000 | 263,000 | 345,000 |
| Net interest income | 163,000 | 347,000 | 517,000 | 698,000 |
| Noninterest income | 28,000 | 57,000 | 88,000 | 117,000 |
| Noninterest expense | 151,000 | 301,000 | 452,000 | 635,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 40,000 | 103,000 | 153,000 | 180,000 |
| Income tax | 10,000 | 38,000 | 63,000 | 49,000 |
| Net income | 30,000 | 65,000 | 90,000 | 131,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,286,000 | 2,221,000 | 2,246,000 | 2,287,000 |
| Total capital | 2,408,000 | 2,351,000 | 2,376,000 | 2,421,000 |
| Risk-weighted assets | 9,482,000 | 10,166,000 | 10,101,000 | 10,432,000 |