Call reports 2008
HARWOOD STATE BANK — 2008
What HARWOOD STATE BANK reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 26,820,000 | 28,453,000 | 28,558,000 | 29,272,000 |
| Total loans | 13,135,000 | 12,979,000 | 14,732,000 | 15,188,000 |
| Allowance for loan losses | 348,000 | 349,000 | 346,000 | 344,000 |
| Securities available for sale | 2,393,000 | 2,285,000 | 2,251,000 | 2,228,000 |
| Securities held to maturity | 1,833,000 | 1,675,000 | 1,649,000 | 1,636,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 23,873,000 | 25,542,000 | 25,643,000 | 25,465,000 |
| Interest-bearing deposits | 20,506,000 | 21,385,000 | 20,705,000 | 21,081,000 |
| Noninterest-bearing deposits | 3,366,000 | 4,157,000 | 4,939,000 | 4,385,000 |
| Equity capital | 2,819,000 | 2,810,000 | 2,820,000 | 2,871,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 366,000 | 687,000 | 1,004,000 | 1,295,000 |
| Interest expense | 183,000 | 356,000 | 520,000 | 668,000 |
| Net interest income | 183,000 | 331,000 | 484,000 | 627,000 |
| Noninterest income | 34,000 | 72,000 | 111,000 | 215,000 |
| Noninterest expense | 184,000 | 351,000 | 526,000 | 765,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 33,000 | 52,000 | 69,000 | 77,000 |
| Income tax | 6,000 | 9,000 | 9,000 | -14,000 |
| Net income | 27,000 | 43,000 | 60,000 | 91,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,804,000 | 2,827,000 | 2,832,000 | 2,869,000 |
| Total capital | 2,968,000 | 2,989,000 | 3,014,000 | 3,052,000 |
| Risk-weighted assets | 15,913,000 | 16,441,000 | 18,169,000 | 19,674,000 |