Call reports 2003
HARVARD STATE BANK, THE — 2003
What HARVARD STATE BANK, THE reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 160,738,000 | 170,292,000 | 165,152,000 | 162,217,000 |
| Total loans | 108,165,000 | 110,016,000 | 107,699,000 | 104,990,000 |
| Allowance for loan losses | 1,154,000 | 1,251,000 | 1,360,000 | 1,133,000 |
| Securities available for sale | 36,616,000 | 38,173,000 | 39,969,000 | 41,977,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 132,168,000 | 140,006,000 | 136,925,000 | 132,292,000 |
| Interest-bearing deposits | 119,574,000 | 126,201,000 | 123,623,000 | 119,685,000 |
| Noninterest-bearing deposits | 12,594,000 | 13,805,000 | 13,302,000 | 12,607,000 |
| Equity capital | 19,220,000 | 19,617,000 | 19,638,000 | 19,696,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 2,362,000 | 4,701,000 | 7,034,000 | 9,226,000 |
| Interest expense | 804,000 | 1,579,000 | 2,313,000 | 2,993,000 |
| Net interest income | 1,558,000 | 3,122,000 | 4,721,000 | 6,233,000 |
| Noninterest income | 354,000 | 688,000 | 1,023,000 | 1,275,000 |
| Noninterest expense | 999,000 | 2,017,000 | 3,058,000 | 4,139,000 |
| Provision for loan losses | 105,000 | 260,000 | 365,000 | 500,000 |
| Pretax income | 808,000 | 1,534,000 | 2,319,000 | 2,867,000 |
| Income tax | 254,000 | 476,000 | 694,000 | 773,000 |
| Net income | 554,000 | 1,058,000 | 1,625,000 | 2,094,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 15,930,000 | 16,199,000 | 16,476,000 | 16,720,000 |
| Total capital | 17,084,000 | 17,450,000 | 17,836,000 | 17,853,000 |
| Risk-weighted assets | 113,901,000 | 121,576,000 | 115,748,000 | 113,161,000 |