Call reports 2004
HARVARD STATE BANK, THE — 2004
What HARVARD STATE BANK, THE reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 161,299,000 | 159,511,000 | 155,453,000 | 152,178,000 |
| Total loans | 101,152,000 | 91,622,000 | 87,996,000 | 80,938,000 |
| Allowance for loan losses | 1,219,000 | 1,728,000 | 1,790,000 | 1,251,000 |
| Securities available for sale | 43,588,000 | 49,729,000 | 52,675,000 | 57,323,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 132,849,000 | 132,253,000 | 128,885,000 | 125,066,000 |
| Interest-bearing deposits | 121,081,000 | 120,054,000 | 117,490,000 | 111,719,000 |
| Noninterest-bearing deposits | 11,768,000 | 12,199,000 | 11,395,000 | 13,347,000 |
| Equity capital | 19,921,000 | 19,128,000 | 20,172,000 | 19,956,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 2,168,000 | 4,203,000 | 6,184,000 | 8,259,000 |
| Interest expense | 677,000 | 1,314,000 | 1,961,000 | 2,607,000 |
| Net interest income | 1,491,000 | 2,889,000 | 4,223,000 | 5,652,000 |
| Noninterest income | 272,000 | 598,000 | 948,000 | 1,075,000 |
| Noninterest expense | 1,050,000 | 2,117,000 | 3,217,000 | 4,269,000 |
| Provision for loan losses | 105,000 | 710,000 | 795,000 | 990,000 |
| Pretax income | 608,000 | 657,000 | 1,156,000 | 1,465,000 |
| Income tax | 161,000 | 295,000 | 238,000 | 217,000 |
| Net income | 447,000 | 362,000 | 918,000 | 1,248,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 16,877,000 | 16,759,000 | 17,329,000 | 17,426,000 |
| Total capital | 18,096,000 | 18,017,000 | 18,542,000 | 18,555,000 |
| Risk-weighted assets | 110,441,000 | 100,137,000 | 96,463,000 | 90,268,000 |