Call reports 2007
HARVARD STATE BANK, THE — 2007
What HARVARD STATE BANK, THE reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 153,783,000 | 160,302,000 | 160,587,000 | 155,996,000 |
| Total loans | 97,017,000 | 102,029,000 | 100,687,000 | 101,399,000 |
| Allowance for loan losses | 966,000 | 1,020,000 | 1,077,000 | 1,019,000 |
| Securities available for sale | 42,914,000 | 39,461,000 | 40,656,000 | 40,505,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 129,421,000 | 135,826,000 | 135,316,000 | 127,876,000 |
| Interest-bearing deposits | 116,075,000 | 121,294,000 | 118,989,000 | 113,347,000 |
| Noninterest-bearing deposits | 13,346,000 | 14,532,000 | 16,327,000 | 14,529,000 |
| Equity capital | 18,086,000 | 18,109,000 | 18,577,000 | 19,313,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 2,297,000 | 4,609,000 | 7,020,000 | 9,407,000 |
| Interest expense | 1,163,000 | 2,365,000 | 3,573,000 | 4,737,000 |
| Net interest income | 1,134,000 | 2,244,000 | 3,447,000 | 4,670,000 |
| Noninterest income | 257,000 | 598,000 | 878,000 | 1,272,000 |
| Noninterest expense | 1,181,000 | 2,346,000 | 3,407,000 | 4,501,000 |
| Provision for loan losses | 60,000 | 120,000 | 180,000 | 340,000 |
| Pretax income | 150,000 | 376,000 | 735,000 | 1,100,000 |
| Income tax | 0 | 0 | 0 | -36,000 |
| Net income | 150,000 | 376,000 | 735,000 | 1,136,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 16,208,000 | 16,442,000 | 16,403,000 | 16,810,000 |
| Total capital | 17,174,000 | 17,462,000 | 17,480,000 | 17,829,000 |
| Risk-weighted assets | 100,193,000 | 109,053,000 | 105,616,000 | 105,586,000 |