Call reports 2014
HARWOOD STATE BANK — 2014
What HARWOOD STATE BANK reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 34,747,000 | 34,499,000 | 34,582,000 | 35,175,000 |
| Total loans | 21,774,000 | 23,826,000 | 24,742,000 | 27,348,000 |
| Allowance for loan losses | 290,000 | 290,000 | 290,000 | 290,000 |
| Securities available for sale | 914,000 | 858,000 | 1,260,000 | 1,130,000 |
| Securities held to maturity | 221,000 | 187,000 | 186,000 | 335,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 31,127,000 | 30,789,000 | 30,900,000 | 31,406,000 |
| Interest-bearing deposits | 23,598,000 | 22,530,000 | 22,679,000 | 23,318,000 |
| Noninterest-bearing deposits | 7,529,000 | 8,259,000 | 8,221,000 | 8,088,000 |
| Equity capital | 2,856,000 | 2,889,000 | 2,847,000 | 2,894,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 281,000 | 581,000 | 890,000 | 1,220,000 |
| Interest expense | 19,000 | 39,000 | 58,000 | 79,000 |
| Net interest income | 262,000 | 542,000 | 832,000 | 1,141,000 |
| Noninterest income | 16,000 | 28,000 | 46,000 | 60,000 |
| Noninterest expense | 251,000 | 499,000 | 736,000 | 1,005,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 27,000 | 71,000 | 142,000 | 196,000 |
| Income tax | 4,000 | 16,000 | 46,000 | 52,000 |
| Net income | 23,000 | 55,000 | 96,000 | 144,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,845,000 | 2,877,000 | 2,833,000 | 2,882,000 |
| Total capital | 3,117,000 | 3,167,000 | 3,123,000 | 3,172,000 |
| Risk-weighted assets | 24,515,000 | 24,773,000 | 25,865,000 | 27,854,000 |