Call reports 2005
HARWOOD STATE BANK — 2005
What HARWOOD STATE BANK reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 19,895,000 | 19,761,000 | 20,430,000 | 20,047,000 |
| Total loans | 10,737,000 | 11,964,000 | 11,978,000 | 11,733,000 |
| Allowance for loan losses | 354,000 | 355,000 | 356,000 | 329,000 |
| Securities available for sale | 3,454,000 | 3,368,000 | 3,258,000 | 3,116,000 |
| Securities held to maturity | 2,013,000 | 1,912,000 | 1,901,000 | 1,817,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 17,450,000 | 17,194,000 | 17,798,000 | 17,545,000 |
| Interest-bearing deposits | 14,165,000 | 13,971,000 | 14,626,000 | 13,706,000 |
| Noninterest-bearing deposits | 3,285,000 | 3,223,000 | 3,173,000 | 3,838,000 |
| Equity capital | 2,365,000 | 2,416,000 | 2,483,000 | 2,388,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 270,000 | 544,000 | 823,000 | 1,103,000 |
| Interest expense | 79,000 | 158,000 | 242,000 | 332,000 |
| Net interest income | 191,000 | 386,000 | 581,000 | 771,000 |
| Noninterest income | 46,000 | 88,000 | 139,000 | 180,000 |
| Noninterest expense | 138,000 | 293,000 | 438,000 | 654,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 99,000 | 181,000 | 282,000 | 297,000 |
| Income tax | 22,000 | 75,000 | 100,000 | 89,000 |
| Net income | 77,000 | 106,000 | 182,000 | 208,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,396,000 | 2,433,000 | 2,509,000 | 2,435,000 |
| Total capital | 2,530,000 | 2,582,000 | 2,658,000 | 2,582,000 |
| Risk-weighted assets | 10,737,000 | 11,705,000 | 11,848,000 | 11,668,000 |