Call reports 2006
HARWOOD STATE BANK — 2006
What HARWOOD STATE BANK reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 21,068,000 | 19,623,000 | 21,161,000 | 21,794,000 |
| Total loans | 12,306,000 | 13,066,000 | 13,909,000 | 13,341,000 |
| Allowance for loan losses | 330,000 | 324,000 | 366,000 | 364,000 |
| Securities available for sale | 3,147,000 | 3,022,000 | 3,005,000 | 2,928,000 |
| Securities held to maturity | 1,782,000 | 1,728,000 | 1,693,000 | 1,671,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 18,549,000 | 17,063,000 | 18,456,000 | 19,168,000 |
| Interest-bearing deposits | 13,867,000 | 13,751,000 | 14,888,000 | 15,670,000 |
| Noninterest-bearing deposits | 4,682,000 | 3,311,000 | 3,568,000 | 3,498,000 |
| Equity capital | 2,442,000 | 2,490,000 | 2,576,000 | 2,527,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 270,000 | 564,000 | 933,000 | 1,278,000 |
| Interest expense | 89,000 | 186,000 | 301,000 | 436,000 |
| Net interest income | 181,000 | 378,000 | 632,000 | 842,000 |
| Noninterest income | 45,000 | 107,000 | 121,000 | 155,000 |
| Noninterest expense | 160,000 | 318,000 | 469,000 | 677,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 66,000 | 167,000 | 284,000 | 320,000 |
| Income tax | 10,000 | 45,000 | 106,000 | 95,000 |
| Net income | 56,000 | 122,000 | 178,000 | 225,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,491,000 | 2,557,000 | 2,620,000 | 2,560,000 |
| Total capital | 2,645,000 | 2,720,000 | 2,794,000 | 2,727,000 |
| Risk-weighted assets | 12,387,000 | 13,035,000 | 14,318,000 | 13,743,000 |