Call reports 2020
HARWOOD STATE BANK — 2020
What HARWOOD STATE BANK reported to the FFIEC in 2020, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Total assets | 40,006,000 | 43,283,000 | 44,518,000 | 44,142,000 |
| Total loans | 23,873,000 | 23,509,000 | 22,978,000 | 22,493,000 |
| Allowance for loan losses | 292,000 | 294,000 | 295,000 | 296,000 |
| Securities available for sale | 877,000 | 844,000 | 835,000 | 1,223,000 |
| Securities held to maturity | 730,000 | 726,000 | 724,000 | 655,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 35,253,000 | 38,472,000 | 39,679,000 | 39,330,000 |
| Interest-bearing deposits | 27,435,000 | 28,494,000 | 30,179,000 | 30,406,000 |
| Noninterest-bearing deposits | 7,818,000 | 9,978,000 | 9,500,000 | 8,924,000 |
| Equity capital | 3,985,000 | 4,020,000 | 4,111,000 | 4,124,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Interest income | 386,000 | 738,000 | 1,079,000 | 1,362,000 |
| Interest expense | 66,000 | 131,000 | 195,000 | 258,000 |
| Net interest income | 320,000 | 607,000 | 884,000 | 1,104,000 |
| Noninterest income | 15,000 | 28,000 | 40,000 | 91,000 |
| Noninterest expense | 276,000 | 536,000 | 721,000 | 975,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 59,000 | 99,000 | 203,000 | 220,000 |
| Income tax | 15,000 | 20,000 | 44,000 | 58,000 |
| Net income | 44,000 | 79,000 | 159,000 | 162,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,979,000 | 4,014,000 | 4,094,000 | 4,104,000 |
| Total capital | 4,271,000 | 4,308,000 | — | — |
| Risk-weighted assets | 26,906,000 | 27,739,000 | — | — |