Call reports 2013
HARWOOD STATE BANK — 2013
What HARWOOD STATE BANK reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 32,010,000 | 31,977,000 | 32,548,000 | 33,661,000 |
| Total loans | 20,251,000 | 21,261,000 | 22,161,000 | 22,634,000 |
| Allowance for loan losses | 238,000 | 275,000 | 288,000 | 290,000 |
| Securities available for sale | 1,033,000 | 911,000 | 984,000 | 946,000 |
| Securities held to maturity | 290,000 | 255,000 | 253,000 | 224,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 28,391,000 | 28,309,000 | 28,902,000 | 30,054,000 |
| Interest-bearing deposits | 22,250,000 | 21,249,000 | 20,869,000 | 21,313,000 |
| Noninterest-bearing deposits | 6,141,000 | 7,061,000 | 8,033,000 | 8,741,000 |
| Equity capital | 2,797,000 | 2,849,000 | 2,816,000 | 2,832,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 274,000 | 584,000 | 878,000 | 1,181,000 |
| Interest expense | 23,000 | 46,000 | 66,000 | 86,000 |
| Net interest income | 251,000 | 538,000 | 812,000 | 1,095,000 |
| Noninterest income | 18,000 | 30,000 | 43,000 | 54,000 |
| Noninterest expense | 241,000 | 433,000 | 652,000 | 954,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 28,000 | 135,000 | 203,000 | 195,000 |
| Income tax | 5,000 | 50,000 | 77,000 | 50,000 |
| Net income | 23,000 | 85,000 | 126,000 | 145,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,778,000 | 2,840,000 | 2,804,000 | 2,823,000 |
| Total capital | 3,016,000 | 3,106,000 | 3,081,000 | 3,102,000 |
| Risk-weighted assets | 23,594,000 | 23,682,000 | 25,049,000 | 24,723,000 |