Call reports 2005
HARVARD STATE BANK, THE — 2005
What HARVARD STATE BANK, THE reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 150,613,000 | 149,844,000 | 157,822,000 | 157,995,000 |
| Total loans | 80,534,000 | 83,053,000 | 88,078,000 | 88,574,000 |
| Allowance for loan losses | 1,297,000 | 1,291,000 | 1,318,000 | 1,187,000 |
| Securities available for sale | 55,480,000 | 53,226,000 | 50,453,000 | 48,291,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 123,175,000 | 122,714,000 | 129,613,000 | 133,303,000 |
| Interest-bearing deposits | 109,133,000 | 110,209,000 | 117,808,000 | 115,832,000 |
| Noninterest-bearing deposits | 14,043,000 | 12,505,000 | 11,805,000 | 17,471,000 |
| Equity capital | 19,570,000 | 20,060,000 | 19,928,000 | 18,725,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 1,933,000 | 3,908,000 | 5,934,000 | 8,055,000 |
| Interest expense | 632,000 | 1,338,000 | 2,140,000 | 3,065,000 |
| Net interest income | 1,301,000 | 2,570,000 | 3,794,000 | 4,990,000 |
| Noninterest income | 289,000 | 563,000 | 848,000 | 1,171,000 |
| Noninterest expense | 1,098,000 | 2,172,000 | 3,215,000 | 4,335,000 |
| Provision for loan losses | 45,000 | 90,000 | 135,000 | 180,000 |
| Pretax income | 444,000 | 864,000 | 1,286,000 | 1,698,000 |
| Income tax | 78,000 | 179,000 | 255,000 | 318,000 |
| Net income | 366,000 | 685,000 | 1,031,000 | 1,380,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 17,511,000 | 17,690,000 | 17,847,000 | 16,851,000 |
| Total capital | 18,644,000 | 18,842,000 | 19,061,000 | 18,038,000 |
| Risk-weighted assets | 90,512,000 | 92,000,000 | 97,025,000 | 97,470,000 |