Call reports 2019
HARWOOD STATE BANK — 2019
What HARWOOD STATE BANK reported to the FFIEC in 2019, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Total assets | 40,350,000 | 39,868,000 | 40,168,000 | 41,607,000 |
| Total loans | 27,267,000 | 26,897,000 | 26,850,000 | 24,717,000 |
| Allowance for loan losses | 290,000 | 290,000 | 290,000 | 291,000 |
| Securities available for sale | 966,000 | 917,000 | 908,000 | 895,000 |
| Securities held to maturity | 806,000 | 803,000 | 762,000 | 730,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 35,883,000 | 35,321,000 | 35,504,000 | 36,909,000 |
| Interest-bearing deposits | 27,905,000 | 26,913,000 | 27,887,000 | 28,524,000 |
| Noninterest-bearing deposits | 7,978,000 | 8,408,000 | 7,617,000 | 8,385,000 |
| Equity capital | 3,776,000 | 3,841,000 | 3,925,000 | 3,944,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Interest income | 400,000 | 815,000 | 1,232,000 | 1,630,000 |
| Interest expense | 56,000 | 116,000 | 182,000 | 251,000 |
| Net interest income | 344,000 | 699,000 | 1,050,000 | 1,379,000 |
| Noninterest income | 18,000 | 42,000 | 62,000 | 83,000 |
| Noninterest expense | 263,000 | 562,000 | 824,000 | 1,142,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 99,000 | 179,000 | 288,000 | 320,000 |
| Income tax | 24,000 | 47,000 | 75,000 | 84,000 |
| Net income | 75,000 | 132,000 | 213,000 | 236,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,775,000 | 3,833,000 | 3,913,000 | 3,936,000 |
| Total capital | 4,065,000 | 4,123,000 | 4,203,000 | 4,227,000 |
| Risk-weighted assets | 29,458,000 | 28,996,000 | 28,864,000 | 28,011,000 |