Call reports 2010
HARVARD STATE BANK, THE — 2010
What HARVARD STATE BANK, THE reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 245,793,000 | 251,620,000 | 247,764,000 | 240,953,000 |
| Total loans | 156,298,000 | 159,783,000 | 157,314,000 | 148,923,000 |
| Allowance for loan losses | 1,652,000 | 1,641,000 | 1,750,000 | 1,544,000 |
| Securities available for sale | 61,378,000 | 65,918,000 | 60,686,000 | 64,537,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 216,245,000 | 222,402,000 | 219,739,000 | 212,228,000 |
| Interest-bearing deposits | 195,627,000 | 200,215,000 | 199,009,000 | 191,840,000 |
| Noninterest-bearing deposits | 20,619,000 | 22,187,000 | 20,730,000 | 20,388,000 |
| Equity capital | 22,765,000 | 23,264,000 | 23,897,000 | 23,731,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 3,177,000 | 6,173,000 | 9,236,000 | 12,251,000 |
| Interest expense | 780,000 | 1,517,000 | 2,179,000 | 2,796,000 |
| Net interest income | 2,397,000 | 4,656,000 | 7,057,000 | 9,455,000 |
| Noninterest income | 446,000 | 823,000 | 1,210,000 | 1,662,000 |
| Noninterest expense | 2,145,000 | 4,180,000 | 6,291,000 | 8,263,000 |
| Provision for loan losses | 225,000 | 500,000 | 800,000 | 1,125,000 |
| Pretax income | 553,000 | 997,000 | 1,373,000 | 1,930,000 |
| Income tax | 0 | 0 | 0 | 11,000 |
| Net income | 553,000 | 997,000 | 1,373,000 | 1,919,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 18,355,000 | 18,691,000 | 18,846,000 | 19,460,000 |
| Total capital | 20,007,000 | 20,332,000 | 20,596,000 | 21,004,000 |
| Risk-weighted assets | 158,916,000 | 162,542,000 | 163,553,000 | 160,132,000 |