Call reports 2006
HARVARD STATE BANK, THE — 2006
What HARVARD STATE BANK, THE reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 151,561,000 | 161,172,000 | 159,120,000 | 154,544,000 |
| Total loans | 88,380,000 | 92,676,000 | 94,503,000 | 94,223,000 |
| Allowance for loan losses | 829,000 | 892,000 | 934,000 | 1,083,000 |
| Securities available for sale | 47,574,000 | 48,011,000 | 48,553,000 | 43,325,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 126,908,000 | 138,418,000 | 136,682,000 | 134,795,000 |
| Interest-bearing deposits | 114,271,000 | 125,486,000 | 124,555,000 | 122,269,000 |
| Noninterest-bearing deposits | 12,637,000 | 12,932,000 | 12,127,000 | 12,526,000 |
| Equity capital | 18,492,000 | 18,518,000 | 18,848,000 | 18,161,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 2,160,000 | 4,384,000 | 6,699,000 | 9,023,000 |
| Interest expense | 922,000 | 1,965,000 | 3,164,000 | 4,383,000 |
| Net interest income | 1,238,000 | 2,419,000 | 3,535,000 | 4,640,000 |
| Noninterest income | 296,000 | 609,000 | 892,000 | 1,203,000 |
| Noninterest expense | 1,153,000 | 2,331,000 | 3,528,000 | 4,586,000 |
| Provision for loan losses | 45,000 | 90,000 | 135,000 | 230,000 |
| Pretax income | 335,000 | 608,000 | 764,000 | 1,055,000 |
| Income tax | -58,000 | -58,000 | -58,000 | -132,000 |
| Net income | 393,000 | 666,000 | 822,000 | 1,187,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 17,160,000 | 17,441,000 | 17,092,000 | 16,425,000 |
| Total capital | 17,989,000 | 18,333,000 | 18,026,000 | 17,508,000 |
| Risk-weighted assets | 96,341,000 | 101,803,000 | 99,650,000 | 100,181,000 |