Call reports 2011
HARWOOD STATE BANK — 2011
What HARWOOD STATE BANK reported to the FFIEC in 2011, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Total assets | 31,117,000 | 31,079,000 | 31,532,000 | 31,494,000 |
| Total loans | 16,649,000 | 17,824,000 | 18,093,000 | 17,762,000 |
| Allowance for loan losses | 130,000 | 151,000 | 173,000 | 240,000 |
| Securities available for sale | 1,248,000 | 980,000 | 941,000 | 1,263,000 |
| Securities held to maturity | 737,000 | 426,000 | 424,000 | 393,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 27,599,000 | 27,542,000 | 27,970,000 | 27,907,000 |
| Interest-bearing deposits | 22,428,000 | 22,277,000 | 21,654,000 | 20,226,000 |
| Noninterest-bearing deposits | 5,171,000 | 5,265,000 | 6,316,000 | 7,681,000 |
| Equity capital | 2,591,000 | 2,623,000 | 2,649,000 | 2,700,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Interest income | 285,000 | 596,000 | 897,000 | 1,177,000 |
| Interest expense | 68,000 | 126,000 | 178,000 | 221,000 |
| Net interest income | 217,000 | 470,000 | 719,000 | 956,000 |
| Noninterest income | 33,000 | 55,000 | 78,000 | 108,000 |
| Noninterest expense | 234,000 | 454,000 | 674,000 | 900,000 |
| Provision for loan losses | 70,000 | 90,000 | 110,000 | 110,000 |
| Pretax income | -54,000 | -19,000 | 13,000 | 54,000 |
| Income tax | -10,000 | -4,000 | 3,000 | -9,000 |
| Net income | -44,000 | -15,000 | 10,000 | 63,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,580,000 | 2,609,000 | 2,634,000 | 2,687,000 |
| Total capital | 2,710,000 | 2,760,000 | 2,807,000 | 2,909,000 |
| Risk-weighted assets | 20,037,000 | 20,733,000 | 20,461,000 | 20,607,000 |