Call reports 2009
HARVARD STATE BANK, THE — 2009
What HARVARD STATE BANK, THE reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 170,625,000 | 177,166,000 | 250,649,000 | 250,676,000 |
| Total loans | 113,794,000 | 115,910,000 | 158,415,000 | 156,911,000 |
| Allowance for loan losses | 902,000 | 1,065,000 | 865,000 | 1,656,000 |
| Securities available for sale | 42,228,000 | 40,742,000 | 59,574,000 | 61,194,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 141,056,000 | 148,863,000 | 218,314,000 | 219,483,000 |
| Interest-bearing deposits | 129,663,000 | 136,161,000 | 195,814,000 | 198,780,000 |
| Noninterest-bearing deposits | 11,393,000 | 12,702,000 | 22,500,000 | 20,703,000 |
| Equity capital | 19,593,000 | 19,577,000 | 24,004,000 | 22,594,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 2,399,000 | 4,743,000 | 7,877,000 | 11,056,000 |
| Interest expense | 866,000 | 1,585,000 | 2,510,000 | 3,354,000 |
| Net interest income | 1,533,000 | 3,158,000 | 5,367,000 | 7,702,000 |
| Noninterest income | 327,000 | 658,000 | 4,319,000 | 4,689,000 |
| Noninterest expense | 1,324,000 | 2,594,000 | 4,367,000 | 6,979,000 |
| Provision for loan losses | 150,000 | 530,000 | 688,000 | 1,738,000 |
| Pretax income | 398,000 | 739,000 | 4,667,000 | 3,632,000 |
| Income tax | 0 | 0 | 0 | -13,000 |
| Net income | 398,000 | 739,000 | 4,667,000 | 3,645,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 16,907,000 | 17,118,000 | 19,308,000 | 18,378,000 |
| Total capital | 17,809,000 | 18,183,000 | 20,173,000 | 20,034,000 |
| Risk-weighted assets | 120,791,000 | 123,318,000 | 171,429,000 | 157,301,000 |