Call reports 2002
HARVARD STATE BANK, THE — 2002
What HARVARD STATE BANK, THE reported to the FFIEC in 2002, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Total assets | 149,707,000 | 157,815,000 | 163,206,000 | 161,804,000 |
| Total loans | 98,349,000 | 102,410,000 | 104,294,000 | 104,421,000 |
| Allowance for loan losses | 951,000 | 812,000 | 904,000 | 1,076,000 |
| Securities available for sale | 40,512,000 | 36,728,000 | 39,303,000 | 39,779,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 121,886,000 | 128,918,000 | 131,632,000 | 132,347,000 |
| Interest-bearing deposits | 110,973,000 | 116,561,000 | 119,428,000 | 119,710,000 |
| Noninterest-bearing deposits | 10,913,000 | 12,357,000 | 12,204,000 | 12,637,000 |
| Equity capital | 17,597,000 | 18,242,000 | 18,898,000 | 19,090,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Interest income | 2,408,000 | 4,751,000 | 7,115,000 | 9,545,000 |
| Interest expense | 988,000 | 1,909,000 | 2,843,000 | 3,733,000 |
| Net interest income | 1,420,000 | 2,842,000 | 4,272,000 | 5,812,000 |
| Noninterest income | 216,000 | 439,000 | 672,000 | 935,000 |
| Noninterest expense | 947,000 | 1,851,000 | 2,794,000 | 3,760,000 |
| Provision for loan losses | 75,000 | 200,000 | 300,000 | 500,000 |
| Pretax income | 614,000 | 1,256,000 | 1,876,000 | 2,514,000 |
| Income tax | 203,000 | 395,000 | 548,000 | 705,000 |
| Net income | 411,000 | 861,000 | 1,328,000 | 1,809,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 14,908,000 | 15,144,000 | 15,419,000 | 15,675,000 |
| Total capital | 15,859,000 | 15,956,000 | 16,323,000 | 16,751,000 |
| Risk-weighted assets | 100,189,000 | 104,827,000 | 106,873,000 | 111,196,000 |