Call reports 2001
HARVARD STATE BANK, THE — 2001
What HARVARD STATE BANK, THE reported to the FFIEC in 2001, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Total assets | 117,421,000 | 122,338,000 | 156,261,000 | 154,639,000 |
| Total loans | 78,446,000 | 78,469,000 | 96,430,000 | 95,000,000 |
| Allowance for loan losses | 1,011,000 | 1,009,000 | 889,000 | 905,000 |
| Securities available for sale | 32,392,000 | 29,539,000 | 37,761,000 | 42,490,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 96,501,000 | 102,941,000 | 130,213,000 | 127,167,000 |
| Interest-bearing deposits | 89,785,000 | 95,296,000 | 117,248,000 | 113,415,000 |
| Noninterest-bearing deposits | 6,716,000 | 7,645,000 | 12,965,000 | 13,752,000 |
| Equity capital | 13,631,000 | 13,735,000 | 17,626,000 | 17,580,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Interest income | 2,295,000 | 4,552,000 | 6,788,000 | 9,641,000 |
| Interest expense | 1,238,000 | 2,422,000 | 3,496,000 | 4,792,000 |
| Net interest income | 1,057,000 | 2,130,000 | 3,290,000 | 4,849,000 |
| Noninterest income | 165,000 | 353,000 | 530,000 | 845,000 |
| Noninterest expense | 729,000 | 1,504,000 | 2,248,000 | 3,300,000 |
| Provision for loan losses | 30,000 | 60,000 | 355,000 | 400,000 |
| Pretax income | 463,000 | 919,000 | 1,217,000 | 1,998,000 |
| Income tax | 113,000 | 253,000 | 367,000 | 551,000 |
| Net income | 350,000 | 666,000 | 850,000 | 1,447,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Tier 1 capital | 13,373,000 | 13,455,000 | 14,293,000 | 14,693,000 |
| Total capital | 14,384,000 | 14,464,000 | 15,182,000 | 15,598,000 |
| Risk-weighted assets | 83,765,000 | 85,596,000 | 104,525,000 | 98,490,000 |