Call reports 2023
HARWOOD STATE BANK — 2023
What HARWOOD STATE BANK reported to the FFIEC in 2023, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Total assets | 48,793,000 | 46,534,000 | 48,732,000 | 47,806,000 |
| Total loans | 28,535,000 | 27,456,000 | 27,091,000 | 24,483,000 |
| Allowance for loan losses | 289,000 | 286,000 | 288,000 | 289,000 |
| Securities available for sale | 1,026,000 | 962,000 | 913,000 | 988,000 |
| Securities held to maturity | 538,000 | 535,000 | 494,000 | 491,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 43,916,000 | 41,711,000 | 41,371,000 | 40,749,000 |
| Interest-bearing deposits | 32,949,000 | 31,024,000 | 29,641,000 | 29,537,000 |
| Noninterest-bearing deposits | 10,967,000 | 10,687,000 | 11,730,000 | 11,212,000 |
| Equity capital | 4,383,000 | 3,649,000 | 6,261,000 | 6,189,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Interest income | 474,000 | 974,000 | 395,000 | 1,128,000 |
| Interest expense | 45,000 | 91,000 | 47,000 | 129,000 |
| Net interest income | 429,000 | 883,000 | 348,000 | 999,000 |
| Noninterest income | 33,000 | 57,000 | 14,000 | 38,000 |
| Noninterest expense | 259,000 | 559,000 | 180,000 | 665,000 |
| Provision for loan losses | 0 | 0 | 0 | 288,000 |
| Pretax income | 203,000 | 381,000 | 182,000 | 78,000 |
| Income tax | 3,000 | 655,000 | 0 | -11,000 |
| Net income | 200,000 | -274,000 | 182,000 | 89,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,474,000 | 3,750,000 | 3,908,000 | 2,840,000 |
| Total capital | 4,763,000 | 4,036,000 | 4,196,000 | 3,135,000 |
| Risk-weighted assets | 30,772,000 | 29,946,000 | 29,714,000 | 27,535,000 |
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