Call reports 2016
HARWOOD STATE BANK — 2016
What HARWOOD STATE BANK reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 37,852,000 | 38,162,000 | 39,467,000 | 39,243,000 |
| Total loans | 28,479,000 | 28,290,000 | 28,634,000 | 27,557,000 |
| Allowance for loan losses | 290,000 | 290,000 | 290,000 | 290,000 |
| Securities available for sale | 982,000 | 961,000 | 932,000 | 896,000 |
| Securities held to maturity | 920,000 | 919,000 | 1,004,000 | 998,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 33,835,000 | 34,090,000 | 35,347,000 | 35,127,000 |
| Interest-bearing deposits | 25,608,000 | 19,614,000 | 26,173,000 | 26,481,000 |
| Noninterest-bearing deposits | 8,227,000 | 14,476,000 | 9,174,000 | 8,646,000 |
| Equity capital | 3,149,000 | 3,199,000 | 3,248,000 | 3,289,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 355,000 | 700,000 | 1,049,000 | 1,398,000 |
| Interest expense | 27,000 | 59,000 | 92,000 | 126,000 |
| Net interest income | 328,000 | 641,000 | 957,000 | 1,272,000 |
| Noninterest income | 17,000 | 32,000 | 50,000 | 68,000 |
| Noninterest expense | 259,000 | 497,000 | 749,000 | 1,051,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 86,000 | 176,000 | 258,000 | 289,000 |
| Income tax | 23,000 | 66,000 | 98,000 | 79,000 |
| Net income | 63,000 | 110,000 | 160,000 | 210,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,134,000 | 3,181,000 | 3,231,000 | 3,283,000 |
| Total capital | 3,424,000 | 3,471,000 | 3,521,000 | 3,573,000 |
| Risk-weighted assets | 30,139,000 | 29,552,000 | 30,352,000 | 29,666,000 |