Call reports 2009
HARWOOD STATE BANK — 2009
What HARWOOD STATE BANK reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 28,803,000 | 28,993,000 | 27,886,000 | 28,122,000 |
| Total loans | 14,774,000 | 14,922,000 | 15,377,000 | 14,823,000 |
| Allowance for loan losses | 343,000 | 164,000 | 165,000 | 166,000 |
| Securities available for sale | 2,158,000 | 1,908,000 | 1,868,000 | 1,464,000 |
| Securities held to maturity | 1,383,000 | 1,171,000 | 1,165,000 | 1,158,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 25,021,000 | 25,525,000 | 24,283,000 | 24,573,000 |
| Interest-bearing deposits | 21,427,000 | 20,790,000 | 19,417,000 | 19,352,000 |
| Noninterest-bearing deposits | 3,594,000 | 4,735,000 | 4,865,000 | 5,221,000 |
| Equity capital | 2,864,000 | 2,519,000 | 2,628,000 | 2,661,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 293,000 | 592,000 | 898,000 | 1,191,000 |
| Interest expense | 123,000 | 234,000 | 337,000 | 430,000 |
| Net interest income | 170,000 | 358,000 | 561,000 | 761,000 |
| Noninterest income | 30,000 | 61,000 | 103,000 | 135,000 |
| Noninterest expense | 223,000 | 413,000 | 617,000 | 875,000 |
| Provision for loan losses | 0 | 375,000 | 375,000 | 375,000 |
| Pretax income | -23,000 | -369,000 | -328,000 | -354,000 |
| Income tax | -4,000 | -9,000 | -66,000 | -131,000 |
| Net income | -19,000 | -360,000 | -262,000 | -223,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,850,000 | 2,508,000 | 2,607,000 | 2,646,000 |
| Total capital | 3,034,000 | 2,672,000 | 2,772,000 | 2,812,000 |
| Risk-weighted assets | 19,147,000 | 19,136,000 | 19,280,000 | 18,907,000 |