Call reports 2015
HARWOOD STATE BANK — 2015
What HARWOOD STATE BANK reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 36,119,000 | 37,432,000 | 38,940,000 | 37,789,000 |
| Total loans | 28,130,000 | 27,715,000 | 28,669,000 | 30,296,000 |
| Allowance for loan losses | 290,000 | 290,000 | 290,000 | 290,000 |
| Securities available for sale | 1,109,000 | 1,061,000 | 1,033,000 | 995,000 |
| Securities held to maturity | 334,000 | 333,000 | 959,000 | 955,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 32,299,000 | 33,534,000 | 34,937,000 | 33,816,000 |
| Interest-bearing deposits | 23,628,000 | 24,282,000 | 25,446,000 | 25,046,000 |
| Noninterest-bearing deposits | 8,671,000 | 9,252,000 | 9,491,000 | 8,770,000 |
| Equity capital | 2,975,000 | 3,024,000 | 3,106,000 | 3,083,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 335,000 | 677,000 | 1,016,000 | 1,370,000 |
| Interest expense | 22,000 | 45,000 | 69,000 | 93,000 |
| Net interest income | 313,000 | 632,000 | 947,000 | 1,277,000 |
| Noninterest income | 20,000 | 35,000 | 51,000 | 66,000 |
| Noninterest expense | 233,000 | 465,000 | 688,000 | 992,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 100,000 | 202,000 | 310,000 | 351,000 |
| Income tax | 22,000 | 70,000 | 103,000 | 112,000 |
| Net income | 78,000 | 132,000 | 207,000 | 239,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,959,000 | 3,024,000 | 3,090,000 | 3,072,000 |
| Total capital | 3,249,000 | 3,314,000 | 3,380,000 | 3,362,000 |
| Risk-weighted assets | 28,830,000 | 28,735,000 | 30,062,000 | 31,129,000 |