Call reports 2004
HARWOOD STATE BANK — 2004
What HARWOOD STATE BANK reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 20,101,000 | 19,707,000 | 20,187,000 | 22,163,000 |
| Total loans | 9,817,000 | 10,732,000 | 11,612,000 | 10,867,000 |
| Allowance for loan losses | 412,000 | 329,000 | 325,000 | 352,000 |
| Securities available for sale | 4,158,000 | 3,906,000 | 3,750,000 | 3,394,000 |
| Securities held to maturity | 1,636,000 | 1,742,000 | 1,735,000 | 2,014,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 17,815,000 | 17,290,000 | 17,752,000 | 19,704,000 |
| Interest-bearing deposits | 14,497,000 | 13,885,000 | 14,289,000 | 14,852,000 |
| Noninterest-bearing deposits | 3,318,000 | 3,406,000 | 3,463,000 | 4,852,000 |
| Equity capital | 2,234,000 | 2,376,000 | 2,360,000 | 2,319,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 247,000 | 529,000 | 787,000 | 1,082,000 |
| Interest expense | 79,000 | 156,000 | 234,000 | 313,000 |
| Net interest income | 168,000 | 373,000 | 553,000 | 769,000 |
| Noninterest income | 32,000 | 64,000 | 106,000 | 139,000 |
| Noninterest expense | 150,000 | 295,000 | 443,000 | 659,000 |
| Provision for loan losses | 0 | -100,000 | -100,000 | -100,000 |
| Pretax income | 50,000 | 242,000 | 316,000 | 349,000 |
| Income tax | 10,000 | 11,000 | 48,000 | 110,000 |
| Net income | 40,000 | 231,000 | 268,000 | 239,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,227,000 | 2,391,000 | 2,357,000 | 2,327,000 |
| Total capital | 2,359,000 | 2,529,000 | 2,502,000 | 2,473,000 |
| Risk-weighted assets | 10,217,000 | 10,824,000 | 11,455,000 | 11,499,000 |