Call reports 2007
HARWOOD STATE BANK — 2007
What HARWOOD STATE BANK reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 22,876,000 | 23,730,000 | 23,937,000 | 25,064,000 |
| Total loans | 13,271,000 | 13,952,000 | 14,220,000 | 13,244,000 |
| Allowance for loan losses | 366,000 | 353,000 | 353,000 | 350,000 |
| Securities available for sale | 2,649,000 | 2,478,000 | 2,412,000 | 2,361,000 |
| Securities held to maturity | 1,640,000 | 2,084,000 | 2,062,000 | 1,849,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 20,191,000 | 20,959,000 | 21,074,000 | 22,167,000 |
| Interest-bearing deposits | 17,063,000 | 17,672,000 | 17,500,000 | 18,371,000 |
| Noninterest-bearing deposits | 3,128,000 | 3,287,000 | 3,573,000 | 3,796,000 |
| Equity capital | 2,588,000 | 2,645,000 | 2,737,000 | 2,771,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 357,000 | 743,000 | 1,121,000 | 1,502,000 |
| Interest expense | 146,000 | 311,000 | 480,000 | 650,000 |
| Net interest income | 211,000 | 432,000 | 641,000 | 852,000 |
| Noninterest income | 37,000 | 76,000 | 116,000 | 147,000 |
| Noninterest expense | 170,000 | 330,000 | 488,000 | 700,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 78,000 | 178,000 | 269,000 | 299,000 |
| Income tax | 23,000 | 61,000 | 63,000 | 81,000 |
| Net income | 55,000 | 117,000 | 206,000 | 218,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,614,000 | 2,678,000 | 2,766,000 | 2,778,000 |
| Total capital | 2,780,000 | 2,852,000 | 2,944,000 | 2,944,000 |
| Risk-weighted assets | 13,888,000 | 14,740,000 | 15,001,000 | 15,386,000 |