Call reports 2012
HARWOOD STATE BANK — 2012
What HARWOOD STATE BANK reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 31,790,000 | 31,648,000 | 31,048,000 | 30,707,000 |
| Total loans | 16,512,000 | 17,391,000 | 18,583,000 | 18,536,000 |
| Allowance for loan losses | 240,000 | 240,000 | 240,000 | 238,000 |
| Securities available for sale | 1,467,000 | 1,289,000 | 1,222,000 | 1,122,000 |
| Securities held to maturity | 390,000 | 329,000 | 317,000 | 294,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 28,185,000 | 28,017,000 | 27,403,000 | 27,045,000 |
| Interest-bearing deposits | 21,643,000 | 20,675,000 | 20,470,000 | 20,358,000 |
| Noninterest-bearing deposits | 6,542,000 | 7,342,000 | 6,933,000 | 6,687,000 |
| Equity capital | 2,741,000 | 2,762,000 | 2,732,000 | 2,773,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 269,000 | 534,000 | 816,000 | 1,105,000 |
| Interest expense | 35,000 | 67,000 | 101,000 | 131,000 |
| Net interest income | 234,000 | 467,000 | 715,000 | 974,000 |
| Noninterest income | 34,000 | 44,000 | 60,000 | 80,000 |
| Noninterest expense | 217,000 | 424,000 | 606,000 | 859,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 51,000 | 87,000 | 169,000 | 195,000 |
| Income tax | 10,000 | 26,000 | 70,000 | 52,000 |
| Net income | 41,000 | 61,000 | 99,000 | 143,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,728,000 | 2,748,000 | 2,710,000 | 2,755,000 |
| Total capital | 2,934,000 | 2,965,000 | 2,940,000 | 2,987,000 |
| Risk-weighted assets | 20,059,000 | 20,846,000 | 21,041,000 | 21,469,000 |