Call reports 2010
HARWOOD STATE BANK — 2010
What HARWOOD STATE BANK reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 28,772,000 | 27,479,000 | 27,901,000 | 31,288,000 |
| Total loans | 14,838,000 | 14,950,000 | 15,002,000 | 16,384,000 |
| Allowance for loan losses | 166,000 | 164,000 | 167,000 | 145,000 |
| Securities available for sale | 1,417,000 | 1,144,000 | 1,339,000 | 1,284,000 |
| Securities held to maturity | 1,266,000 | 784,000 | 789,000 | 742,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 25,107,000 | 23,784,000 | 24,177,000 | 27,708,000 |
| Interest-bearing deposits | 19,696,000 | 19,251,000 | 19,226,000 | 22,386,000 |
| Noninterest-bearing deposits | 5,412,000 | 4,533,000 | 4,950,000 | 5,322,000 |
| Equity capital | 2,690,000 | 2,715,000 | 2,728,000 | 2,634,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 289,000 | 577,000 | 855,000 | 1,148,000 |
| Interest expense | 82,000 | 161,000 | 238,000 | 315,000 |
| Net interest income | 207,000 | 416,000 | 617,000 | 833,000 |
| Noninterest income | 41,000 | 71,000 | 102,000 | 131,000 |
| Noninterest expense | 211,000 | 411,000 | 631,000 | 890,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 37,000 | 76,000 | 88,000 | 74,000 |
| Income tax | 6,000 | 22,000 | 25,000 | -3,000 |
| Net income | 31,000 | 54,000 | 63,000 | 77,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,677,000 | 2,700,000 | 2,710,000 | 2,625,000 |
| Total capital | 2,843,000 | 2,864,000 | 2,877,000 | 2,770,000 |
| Risk-weighted assets | 19,160,000 | 17,805,000 | 18,618,000 | 20,285,000 |